Metropolitan Bank Holding (MCB)vsPNC Financial Services Group Inc (PNC)
MCB
Metropolitan Bank Holding
$81.83
-0.35%
FINANCIAL SERVICES · Cap: $998.59M
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 7943% more annual revenue ($22.32B vs $277.51M). PNC leads profitability with a 31.1% profit margin vs 25.6%. MCB trades at a lower P/E of 12.1x. PNC earns a higher WallStSmart Score of 73/100 (B).
MCB
Strong Buy70
out of 100
Grade: B-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.8%
Fair Value
$309.82
Current Price
$81.83
$227.99 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
Reasonable price relative to book value
Strong operational efficiency at 50.0%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 23.1% year-over-year
Earnings expanding 47.3% 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 : MCB
The strongest argument for MCB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.6% and operating margin at 50.0%. Revenue growth of 23.1% 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 : MCB
The primary concerns for MCB are Market Cap, Piotroski F-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MCB profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
MCB carries more volatility with a beta of 1.16 — expect wider price swings.
MCB is growing revenue faster at 23.1% — 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 70/100), backed by strong 31.1% margins. MCB offers better value entry with a 69.8% 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.
Metropolitan Bank Holding
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Metropolitan Bank Holding Corp. The company is headquartered in New York, New York.
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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