Origin Bancorp, Inc. (OBK)vsPNC Financial Services Group Inc (PNC)
OBK
Origin Bancorp, Inc.
$40.96
+0.27%
FINANCIAL SERVICES · Cap: $1.24B
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 6427% more annual revenue ($22.32B vs $341.94M). PNC leads profitability with a 31.1% profit margin vs 22.0%. PNC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
OBK
Strong Buy69
out of 100
Grade: B-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.6%
Fair Value
$112.32
Current Price
$40.96
$71.36 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
Reasonable price relative to book value
Strong operational efficiency at 40.1%
Earnings expanding 109.0% YoY
Conservative balance sheet, low leverage
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OBK
The strongest argument for OBK centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 22.0% and operating margin at 40.1%. Revenue growth of 19.6% 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 31.1% and operating margin at 39.3%.
Bear Case : OBK
The primary concerns for OBK are Market Cap, Return on Equity, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OBK 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.
OBK is growing revenue faster at 19.6% — 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 69/100), backed by strong 31.1% margins. OBK offers better value entry with a 60.6% 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.
Origin Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Origin Bancorp, Inc. is a prominent financial institution headquartered in Ruston, Louisiana, known for its comprehensive portfolio of banking and financial services tailored to individuals and businesses. Through its subsidiary, Origin Bank, the company delivers a robust suite of offerings including commercial banking, mortgage lending, and wealth management, underscoring its commitment to exceptional customer service and community involvement. With a strategic focus on leveraging advanced technology to enhance client engagement and operational capabilities, Origin Bancorp is well-positioned to capitalize on growth opportunities in the dynamic financial sector.
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
Want to dig deeper into these stocks?