Peoples Bancorp of North Carolina (PEBK)vsPNC Financial Services Group Inc (PNC)
PEBK
Peoples Bancorp of North Carolina
$41.13
-2.44%
FINANCIAL SERVICES · Cap: $234.48M
PNC
PNC Financial Services Group Inc
$228.37
-3.01%
FINANCIAL SERVICES · Cap: $88.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 25540% more annual revenue ($23.04B vs $89.87M). PNC leads profitability with a 31.3% profit margin vs 22.1%. PEBK trades at a lower P/E of 12.2x. PNC earns a higher WallStSmart Score of 75/100 (B).
PEBK
Buy51
out of 100
Grade: C-
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 27.8%
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Areas to Watch
4.0% revenue growth
1.3% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PEBK
The strongest argument for PEBK centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 22.1% and operating margin at 27.8%.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : PEBK
The primary concerns for PEBK are Revenue Growth, EPS Growth, Market Cap.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PEBK profiles as a value stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
PNC is growing revenue faster at 13.8% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 51/100), backed by strong 31.3% margins and 13.8% revenue growth. 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.
Peoples Bancorp of North Carolina
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.
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?