Hawthorn Bancshares Inc (HWBK)vsPNC Financial Services Group Inc (PNC)
HWBK
Hawthorn Bancshares Inc
$32.66
+0.37%
FINANCIAL SERVICES · Cap: $223.69M
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 27819% more annual revenue ($22.32B vs $79.95M). PNC leads profitability with a 31.1% profit margin vs 29.8%. HWBK trades at a lower P/E of 9.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
HWBK
Buy61
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.4%
Fair Value
$160.52
Current Price
$32.66
$127.86 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
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 29.7%
Earnings expanding 36.4% 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
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HWBK
The strongest argument for HWBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 29.8% and operating margin at 29.7%.
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 : HWBK
The primary concerns for HWBK are Market Cap, Piotroski F-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
PNC is growing revenue faster at 9.6% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 61/100), backed by strong 31.1% margins. HWBK offers better value entry with a 78.4% margin of safety. 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.
Hawthorn Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hawthorn Bancshares, Inc. is the banking holding company for Hawthorn Bank providing various banking services in Missouri. The company is headquartered in Jefferson City, Missouri.
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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