PNC Financial Services Group Inc (PNC)vsSimmons First National Corporation (SFNC)
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
SFNC
Simmons First National Corporation
$21.58
+0.19%
FINANCIAL SERVICES · Cap: $3.27B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 28217% more annual revenue ($23.04B vs $81.37M). PNC leads profitability with a 31.3% profit margin vs 0.0%. PNC appears more attractively valued with a PEG of 1.66. PNC earns a higher WallStSmart Score of 75/100 (B).
PNC
Strong Buy75
out of 100
Grade: B
SFNC
Buy60
out of 100
Grade: C
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
Strong operational efficiency at 39.4%
Earnings expanding 82.6% YoY
Conservative balance sheet, low leverage
Revenue surging 24.1% year-over-year
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
0.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
ROE of -10.5% — below average capital efficiency
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 : SFNC
The strongest argument for SFNC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 24.1% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : SFNC
The primary concerns for SFNC are Profit Margin, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
PNC profiles as a mature stock while SFNC is a growth play — different risk/reward profiles.
SFNC carries more volatility with a beta of 0.93 — expect wider price swings.
SFNC is growing revenue faster at 24.1% — 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 60/100), 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.
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 →Simmons First National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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