Norwood Financial Corp (NWFL)vsPNC Financial Services Group Inc (PNC)
NWFL
Norwood Financial Corp
$29.19
-0.38%
FINANCIAL SERVICES · Cap: $319.06M
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 25803% more annual revenue ($22.32B vs $86.17M). NWFL leads profitability with a 32.2% profit margin vs 31.1%. PNC appears more attractively valued with a PEG of 2.17. NWFL earns a higher WallStSmart Score of 75/100 (B).
NWFL
Strong Buy75
out of 100
Grade: B
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.9%
Fair Value
$140.87
Current Price
$29.19
$111.68 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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Revenue surging 39.0% year-over-year
Earnings expanding 86.3% 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
Expensive relative to growth rate
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NWFL
The strongest argument for NWFL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 48.0%. Revenue growth of 39.0% 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 : NWFL
The primary concerns for NWFL are PEG Ratio, Market Cap.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NWFL profiles as a growth 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.
NWFL is growing revenue faster at 39.0% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
NWFL scores higher overall (75/100 vs 73/100), backed by strong 32.2% margins and 39.0% revenue growth. PNC offers better value entry with a 73.5% 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.
Norwood Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.
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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