Northfield Bancorp Inc (NFBK)vsPNC Financial Services Group Inc (PNC)
NFBK
Northfield Bancorp Inc
$13.41
-0.45%
FINANCIAL SERVICES · Cap: $562.98M
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 15093% more annual revenue ($22.32B vs $146.91M). PNC leads profitability with a 31.1% profit margin vs 0.5%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).
NFBK
Buy63
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-1345.7%
Fair Value
$0.94
Current Price
$13.41
$12.47 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
Strong operational efficiency at 48.5%
Earnings expanding 69.8% 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
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 0.1% — below average capital efficiency
0.5% margin — thin
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NFBK
The strongest argument for NFBK centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 14.2% 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 : NFBK
The primary concerns for NFBK are PEG Ratio, Market Cap, Return on Equity. A P/E of 674.0x leaves little room for execution misses. Thin 0.5% margins leave little buffer for downturns.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NFBK profiles as a value 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.
NFBK is growing revenue faster at 14.2% — 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 63/100), 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.
Northfield Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northfield Bancorp, Inc. (Staten Island, NY) is the banking holding company for Northfield Bank providing various banking services primarily to individual and corporate clients. The company is headquartered in Woodbridge, New Jersey.
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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