Horizon Bancorp (HBNC)vsPNC Financial Services Group Inc (PNC)
HBNC
Horizon Bancorp
$20.67
-0.19%
FINANCIAL SERVICES · Cap: $1.03B
PNC
PNC Financial Services Group Inc
$248.49
+0.09%
FINANCIAL SERVICES · Cap: $100.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates -196459% more annual revenue ($24.32B vs $-12.38M). PNC leads profitability with a 31.4% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. PNC earns a higher WallStSmart Score of 76/100 (B+).
HBNC
Buy59
out of 100
Grade: C
PNC
Strong Buy76
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 43.5%
Growing faster than its price suggests
16.9% revenue growth
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Areas to Watch
3.7% earnings growth
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBNC
The strongest argument for HBNC centers on Price/Book, Operating Margin, PEG Ratio. Revenue growth of 16.9% demonstrates continued momentum. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% demonstrates continued momentum.
Bear Case : HBNC
The primary concerns for HBNC are EPS Growth, Market Cap, Profit Margin.
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 0.90 — expect wider price swings.
PNC is growing revenue faster at 23.6% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (76/100 vs 59/100), backed by strong 31.4% margins and 23.6% 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.
Horizon Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, 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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