Northeast Bancorp (NBN)vsPNC Financial Services Group Inc (PNC)
NBN
Northeast Bancorp
$119.29
-1.32%
FINANCIAL SERVICES · Cap: $1.04B
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 9907% more annual revenue ($23.04B vs $230.26M). NBN leads profitability with a 42.7% profit margin vs 31.3%. PNC appears more attractively valued with a PEG of 1.66. PNC earns a higher WallStSmart Score of 75/100 (B).
NBN
Strong Buy75
out of 100
Grade: B+
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 65.5%
Revenue surging 34.6% year-over-year
Earnings expanding 58.3% YoY
Reasonable price relative to book value
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
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NBN
The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 42.7% and operating margin at 65.5%. Revenue growth of 34.6% 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 : NBN
The primary concerns for NBN are Market Cap, Debt/Equity, PEG Ratio.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NBN profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
NBN is growing revenue faster at 34.6% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
NBN scores higher overall (75/100 vs 75/100), backed by strong 42.7% margins and 34.6% 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.
Northeast Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.
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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