National Bank Holdings Corporation (NBHC)vsPNC Financial Services Group Inc (PNC)
NBHC
National Bank Holdings Corporation
$38.44
+1.05%
FINANCIAL SERVICES · Cap: $1.69B
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 5504% more annual revenue ($22.32B vs $398.27M). PNC leads profitability with a 31.1% profit margin vs 27.5%. NBHC appears more attractively valued with a PEG of 1.57. PNC earns a higher WallStSmart Score of 73/100 (B).
NBHC
Buy53
out of 100
Grade: C-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-114.3%
Fair Value
$19.38
Current Price
$38.44
$19.06 premium
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
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 24.1%
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Revenue declined 7.7%
Earnings declined 41.9%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NBHC
The strongest argument for NBHC centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 27.5% and operating margin at 24.1%.
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 : NBHC
The primary concerns for NBHC are PEG Ratio, Market Cap, Revenue Growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NBHC profiles as a declining stock while PNC is a mature play — different risk/reward profiles.
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.
Bottom Line
PNC scores higher overall (73/100 vs 53/100), backed by strong 31.1% margins. 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.
National Bank Holdings Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.
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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