PNC Financial Services Group Inc (PNC)vs1st Source Corporation (SRCE)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
SRCE
1st Source Corporation
$68.05
-0.50%
FINANCIAL SERVICES · Cap: $1.62B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 5199% more annual revenue ($22.32B vs $421.22M). SRCE leads profitability with a 37.6% profit margin vs 31.1%. SRCE appears more attractively valued with a PEG of 1.37. SRCE earns a higher WallStSmart Score of 78/100 (B+).
PNC
Strong Buy73
out of 100
Grade: B
SRCE
Strong Buy78
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
+77.1%
Fair Value
$299.99
Current Price
$68.05
$231.94 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 50.0%
Conservative balance sheet, low leverage
16.8% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : SRCE
The strongest argument for SRCE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.6% and operating margin at 50.0%. Revenue growth of 16.8% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : SRCE
The primary concerns for SRCE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while SRCE is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
SRCE is growing revenue faster at 16.8% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
SRCE scores higher overall (78/100 vs 73/100), backed by strong 37.6% margins and 16.8% 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 →1st Source Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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