Newtek Business Services Corp (NEWT)vsPNC Financial Services Group Inc (PNC)
NEWT
Newtek Business Services Corp
$11.22
+0.72%
FINANCIAL SERVICES · Cap: $331.34M
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 5723% more annual revenue ($22.32B vs $383.33M). PNC leads profitability with a 31.1% profit margin vs 15.8%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).
NEWT
Buy64
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+10.0%
Fair Value
$14.82
Current Price
$11.22
$3.60 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
Strong operational efficiency at 55.6%
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
3.0% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NEWT
The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.6%.
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 : NEWT
The primary concerns for NEWT are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 5.64 is elevated, increasing financial risk.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NEWT profiles as a value stock while PNC is a mature play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.28 — 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 64/100), 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.
Newtek Business Services Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Newtek Business Services Corp (NEWT) is a leading provider of integrated business solutions designed specifically for small to medium-sized enterprises (SMBs) throughout the United States. The company offers a diverse suite of services, including payment processing, business lending, and advanced technological solutions, all aimed at enhancing operational efficiency and driving growth for its clients. By functioning as a comprehensive resource, Newtek positions itself as a critical partner in the success of SMBs, emphasizing exceptional customer service and strategic collaborations to help clients thrive in a competitive marketplace. With a strong focus on innovation and long-term relationships, Newtek plays a pivotal role in empowering its clients to adapt and grow.
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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