FS Bancorp Inc (FSBW)vsPNC Financial Services Group Inc (PNC)
FSBW
FS Bancorp Inc
$43.21
+0.26%
FINANCIAL SERVICES · Cap: $346.33M
PNC
PNC Financial Services Group Inc
$232.00
-0.42%
FINANCIAL SERVICES · Cap: $90.52B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 17138% more annual revenue ($24.94B vs $144.70M). PNC leads profitability with a 31.7% profit margin vs 20.1%. FSBW appears more attractively valued with a PEG of 1.35. PNC earns a higher WallStSmart Score of 75/100 (B).
FSBW
Buy56
out of 100
Grade: C
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
Keeps 20 of every $100 in revenue as profit
Strong operational efficiency at 22.6%
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 3.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Revenue declined 0.6%
Earnings declined 46.6%
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FSBW
The strongest argument for FSBW centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 22.6%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : FSBW
The primary concerns for FSBW are Market Cap, Debt/Equity, Revenue Growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FSBW profiles as a declining 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.
PNC is growing revenue faster at 10.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (75/100 vs 56/100), backed by strong 31.7% margins and 10.9% revenue growth. Both earn "Strong Buy" and "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.
FS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FS Bancorp, Inc. is a bank holding company for 1st Security Bank of Washington providing banking and financial services to local families, local and regional businesses, and industry niches. The company is headquartered in Mountlake Terrace, Washington.
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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