Patriot National Bancorp Inc (PNBK)vsPNC Financial Services Group Inc (PNC)
PNBK
Patriot National Bancorp Inc
$1.05
-0.94%
FINANCIAL SERVICES · Cap: $135.24M
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 70417% more annual revenue ($23.04B vs $32.68M). PNC leads profitability with a 31.3% profit margin vs -35.8%. PNC trades at a lower P/E of 12.8x. PNC earns a higher WallStSmart Score of 75/100 (B).
PNBK
Avoid33
out of 100
Grade: F
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 76.6% year-over-year
Conservative balance sheet, low leverage
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
Smaller company, higher risk/reward
Premium valuation, high expectations priced in
ROE of -13.0% — below average capital efficiency
Earnings declined 48.0%
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PNBK
The strongest argument for PNBK centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 76.6% 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 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : PNBK
The primary concerns for PNBK are Market Cap, P/E Ratio, Return on Equity. A P/E of 57.5x leaves little room for execution misses.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PNBK profiles as a hypergrowth 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.
PNBK is growing revenue faster at 76.6% — 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 33/100), backed by strong 31.3% margins and 13.8% revenue growth. 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.
Patriot National Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.
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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