Pathfinder Bancorp Inc (PBHC)vsPNC Financial Services Group Inc (PNC)
PBHC
Pathfinder Bancorp Inc
$13.12
0.00%
FINANCIAL SERVICES · Cap: $92.13M
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 57109% more annual revenue ($22.32B vs $39.02M). PNC leads profitability with a 31.1% profit margin vs 5.8%. PBHC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
PBHC
Avoid33
out of 100
Grade: F
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-64.5%
Fair Value
$8.16
Current Price
$13.12
$4.96 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
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 2.9% — below average capital efficiency
5.8% margin — thin
Operating margin of 0.8%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PBHC
The strongest argument for PBHC centers on Price/Book, P/E Ratio.
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 : PBHC
The primary concerns for PBHC are Market Cap, Return on Equity, Profit Margin.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PBHC 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.
PNC is growing revenue faster at 9.6% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 33/100), backed by strong 31.1% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Pathfinder Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pathfinder Bancorp, Inc. is a portfolio company of Pathfinder Bank offering various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company is headquartered in Oswego, New York.
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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