Fifth Third Bancorp (FITB)vsPNC Financial Services Group Inc (PNC)
FITB
Fifth Third Bancorp
$45.81
-0.39%
FINANCIAL SERVICES · Cap: $41.65B
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 167% more annual revenue ($22.32B vs $8.36B). PNC leads profitability with a 31.1% profit margin vs 30.2%. FITB appears more attractively valued with a PEG of 1.71. PNC earns a higher WallStSmart Score of 73/100 (B).
FITB
Strong Buy70
out of 100
Grade: B
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+61.8%
Fair Value
$142.05
Current Price
$45.81
$96.24 discount
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 20.9% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FITB
The strongest argument for FITB centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 30.2% and operating margin at 41.1%. Revenue growth of 11.6% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.
Bear Case : FITB
The primary concerns for FITB are PEG Ratio, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
FITB is growing revenue faster at 11.6% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 70/100), backed by strong 31.1% margins. FITB offers better value entry with a 61.8% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Fifth Third Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fifth Third Bank is a bank headquartered in Cincinnati, Ohio, at Fifth Third Center. It is the principal subsidiary of Fifth Third Bancorp, a diversified bank holding company.
PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
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