PNC Financial Services Group Inc (PNC)vsUnited Bancorp Inc (UBCP)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
UBCP
United Bancorp Inc
$16.48
-3.11%
FINANCIAL SERVICES · Cap: $98.22M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 69969% more annual revenue ($22.32B vs $31.85M). PNC leads profitability with a 31.1% profit margin vs 24.3%. PNC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
UBCP
Buy56
out of 100
Grade: C
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
+63.5%
Fair Value
$38.91
Current Price
$16.48
$22.43 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
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 22.7%
17.4% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
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 : UBCP
The strongest argument for UBCP centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 24.3% and operating margin at 22.7%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : UBCP
The primary concerns for UBCP are Market Cap, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
PNC profiles as a mature stock while UBCP is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
UBCP is growing revenue faster at 17.4% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 56/100), backed by strong 31.1% margins. UBCP offers better value entry with a 63.5% margin of safety. 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 →United Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?