OceanFirst Financial Corp (OCFC)vsPNC Financial Services Group Inc (PNC)
OCFC
OceanFirst Financial Corp
$17.63
-0.40%
FINANCIAL SERVICES · Cap: $1.00B
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 5641% more annual revenue ($22.32B vs $388.75M). PNC leads profitability with a 31.1% profit margin vs 18.3%. OCFC appears more attractively valued with a PEG of 1.15. PNC earns a higher WallStSmart Score of 73/100 (B).
OCFC
Buy62
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-142.5%
Fair Value
$7.96
Current Price
$17.63
$9.67 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 32.2%
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 4.2% — below average capital efficiency
Elevated debt levels
Earnings declined 36.2%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OCFC
The strongest argument for OCFC centers on Price/Book, Operating Margin, P/E Ratio. Profitability is solid with margins at 18.3% and operating margin at 32.2%. PEG of 1.15 suggests the stock is reasonably priced for its growth.
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 : OCFC
The primary concerns for OCFC are Market Cap, Return on Equity, Debt/Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OCFC carries more volatility with a beta of 1.01 — expect wider price swings.
OCFC is growing revenue faster at 9.7% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 62/100), 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.
OceanFirst Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OceanFirst Financial Corp. The company is headquartered in Red Bank, New Jersey.
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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