PNC Financial Services Group Inc (PNC)vsRenasant Corporation (RNST)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
RNST
Renasant Corporation
$36.02
+0.45%
FINANCIAL SERVICES · Cap: $3.38B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 2441% more annual revenue ($22.32B vs $878.39M). PNC leads profitability with a 31.1% profit margin vs 20.6%. RNST appears more attractively valued with a PEG of 1.79. RNST earns a higher WallStSmart Score of 80/100 (B+).
PNC
Strong Buy73
out of 100
Grade: B
RNST
Strong Buy80
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Margin of Safety
+49.4%
Fair Value
$80.65
Current Price
$36.02
$44.63 discount
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 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Reasonable price relative to book value
Strong operational efficiency at 43.5%
Revenue surging 62.7% year-over-year
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 5.5% — below average capital efficiency
Weak financial health signals
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 31.1% and operating margin at 39.3%.
Bull Case : RNST
The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.6% and operating margin at 43.5%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : RNST
The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while RNST is a growth play — different risk/reward profiles.
RNST carries more volatility with a beta of 0.98 — expect wider price swings.
RNST is growing revenue faster at 62.7% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
RNST scores higher overall (80/100 vs 73/100), backed by strong 20.6% margins and 62.7% revenue growth. PNC offers better value entry with a 73.5% margin of safety. 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 →Renasant Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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