PNC Financial Services Group Inc (PNC)vsSouthState Corporation (SSB)
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
SSB
SouthState Corporation
$95.32
+0.44%
FINANCIAL SERVICES · Cap: $9.67B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 761% more annual revenue ($23.04B vs $2.68B). SSB leads profitability with a 34.9% profit margin vs 31.3%. SSB appears more attractively valued with a PEG of 1.45. SSB earns a higher WallStSmart Score of 81/100 (A-).
PNC
Strong Buy75
out of 100
Grade: B
SSB
Exceptional Buy81
out of 100
Grade: A-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.3%
Earnings expanding 162.1% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 : SSB
The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.9% and operating margin at 50.3%. Revenue growth of 22.8% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : SSB
The primary concerns for SSB are Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while SSB is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
SSB is growing revenue faster at 22.8% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
SSB scores higher overall (81/100 vs 75/100), backed by strong 34.9% margins and 22.8% revenue growth. Both earn "Exceptional 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 →SouthState Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.
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