Franklin Financial Services Corp (FRAF)vsPNC Financial Services Group Inc (PNC)
FRAF
Franklin Financial Services Corp
$55.98
-1.21%
FINANCIAL SERVICES · Cap: $263.85M
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 25447% more annual revenue ($23.04B vs $90.19M). PNC leads profitability with a 31.3% profit margin vs 26.5%. FRAF appears more attractively valued with a PEG of 1.03. PNC earns a higher WallStSmart Score of 75/100 (B).
FRAF
Strong Buy75
out of 100
Grade: B+
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.1%
Earnings expanding 68.2% YoY
Keeps 27 of every $100 in revenue as profit
Revenue surging 22.0% year-over-year
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FRAF
The strongest argument for FRAF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.5% and operating margin at 37.1%. Revenue growth of 22.0% 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 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : FRAF
The primary concerns for FRAF are Market Cap, Debt/Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FRAF profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
FRAF is growing revenue faster at 22.0% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
FRAF scores higher overall (75/100 vs 75/100), backed by strong 26.5% margins and 22.0% revenue growth. 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.
Franklin Financial Services Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Franklin Financial Services Corporation is the banking holding company for the Farmers and Merchants Trust Company of Chambersburg providing commercial, retail and trust banking services to small and medium-sized businesses, individuals, government entities, and non-profit organizations in Pennsylvania. The company is headquartered in Chambersburg, 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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