First Savings Financial Group Inc (FSFG)vsPNC Financial Services Group Inc (PNC)
FSFG
First Savings Financial Group Inc
$33.98
0.00%
FINANCIAL SERVICES · Cap: $238.37M
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 26401% more annual revenue ($22.32B vs $84.22M). PNC leads profitability with a 31.1% profit margin vs 27.5%. FSFG trades at a lower P/E of 10.2x. PNC earns a higher WallStSmart Score of 73/100 (B).
FSFG
Strong Buy67
out of 100
Grade: B-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.1%
Fair Value
$155.38
Current Price
$33.98
$121.40 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
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Revenue surging 26.3% year-over-year
Earnings expanding 41.8% 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
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FSFG
The strongest argument for FSFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.5% and operating margin at 34.1%. Revenue growth of 26.3% 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 : FSFG
The primary concerns for FSFG are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.40 is elevated, increasing financial risk.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FSFG 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.
FSFG is growing revenue faster at 26.3% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 67/100), backed by strong 31.1% margins. FSFG offers better value entry with a 78.1% 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.
First Savings Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, Indiana.
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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