PNC Financial Services Group Inc (PNC)vsQCR Holdings Inc (QCRH)
PNC
PNC Financial Services Group Inc
$228.37
+1.15%
FINANCIAL SERVICES · Cap: $92.58B
QCRH
QCR Holdings Inc
$95.01
+0.61%
FINANCIAL SERVICES · Cap: $1.59B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 6183% more annual revenue ($23.04B vs $366.75M). QCRH leads profitability with a 36.7% profit margin vs 31.3%. QCRH appears more attractively valued with a PEG of 1.02. QCRH earns a higher WallStSmart Score of 77/100 (B+).
PNC
Strong Buy72
out of 100
Grade: B
QCRH
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Revenue surging 21.1% year-over-year
Earnings expanding 30.9% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : QCRH
The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.7% and operating margin at 43.7%. Revenue growth of 21.1% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : QCRH
The primary concerns for QCRH are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while QCRH is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.92 — expect wider price swings.
QCRH is growing revenue faster at 21.1% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
QCRH scores higher overall (77/100 vs 72/100), backed by strong 36.7% margins and 21.1% revenue growth. 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.
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 →QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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