F.N.B. Corp (FNB)vsPNC Financial Services Group Inc (PNC)
FNB
F.N.B. Corp
$16.49
+0.18%
FINANCIAL SERVICES · Cap: $5.88B
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 1229% more annual revenue ($22.32B vs $1.68B). FNB leads profitability with a 33.7% profit margin vs 31.1%. FNB appears more attractively valued with a PEG of 1.05. FNB earns a higher WallStSmart Score of 82/100 (A-).
FNB
Exceptional Buy82
out of 100
Grade: A-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$73.01
Current Price
$16.49
$56.52 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 38.5%
Earnings expanding 55.8% YoY
Revenue surging 26.4% year-over-year
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
No major concerns identified
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FNB
The strongest argument for FNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 38.5%. Revenue growth of 26.4% 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 : FNB
No major red flags identified for FNB, but monitor valuation.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FNB profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
FNB is growing revenue faster at 26.4% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
FNB scores higher overall (82/100 vs 73/100), backed by strong 33.7% margins and 26.4% revenue growth. PNC offers better value entry with a 73.5% margin of safety. Both earn "Exceptional 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.
F.N.B. Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, Pennsylvania.
Visit Website →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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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