Huntington Bancshares Incorporated (HBAN)vsPNC Financial Services Group Inc (PNC)
HBAN
Huntington Bancshares Incorporated
$16.12
-0.43%
FINANCIAL SERVICES · Cap: $32.82B
PNC
PNC Financial Services Group Inc
$216.85
-1.11%
FINANCIAL SERVICES · Cap: $88.06B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 178% more annual revenue ($23.04B vs $8.30B). PNC leads profitability with a 31.3% profit margin vs 26.6%. PNC appears more attractively valued with a PEG of 1.71. PNC earns a higher WallStSmart Score of 75/100 (B).
HBAN
Strong Buy71
out of 100
Grade: B
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Revenue surging 33.6% year-over-year
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Expensive relative to growth rate
Weak financial health signals
Earnings declined 26.5%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBAN
The strongest argument for HBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.6% and operating margin at 40.7%. Revenue growth of 33.6% 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 : HBAN
The primary concerns for HBAN are PEG Ratio, Piotroski F-Score, EPS Growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HBAN profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
HBAN carries more volatility with a beta of 0.98 — expect wider price swings.
HBAN is growing revenue faster at 33.6% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 71/100), backed by strong 31.3% margins and 13.8% 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.
Huntington Bancshares Incorporated
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio.
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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