Fulton Financial Corporation (FULT)vsPNC Financial Services Group Inc (PNC)
FULT
Fulton Financial Corporation
$23.68
+1.37%
FINANCIAL SERVICES · Cap: $4.28B
PNC
PNC Financial Services Group Inc
$228.25
+1.57%
FINANCIAL SERVICES · Cap: $86.73B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1771% more annual revenue ($24.94B vs $1.33B). PNC leads profitability with a 31.7% profit margin vs 29.7%. FULT appears more attractively valued with a PEG of 1.54. PNC earns a higher WallStSmart Score of 75/100 (B).
FULT
Strong Buy67
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 42.3%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Generating 2.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Earnings declined 1.9%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FULT
The strongest argument for FULT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.7% and operating margin at 42.3%. Revenue growth of 13.7% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on P/E Ratio, Price/Book, Profit 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 : FULT
The primary concerns for FULT are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
FULT is growing revenue faster at 13.7% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (75/100 vs 67/100), backed by strong 31.7% margins and 10.9% 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.
Fulton Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fulton Financial Corporation is a financial holding company that provides banking and financial services to businesses and consumers. The company is headquartered in Lancaster, Pennsylvania.
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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