PNC Financial Services Group Inc (PNC)vsUnited Bankshares Inc (UBSI)
PNC
PNC Financial Services Group Inc
$228.25
+1.57%
FINANCIAL SERVICES · Cap: $86.73B
UBSI
United Bankshares Inc
$48.71
+1.37%
FINANCIAL SERVICES · Cap: $6.54B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1883% more annual revenue ($24.94B vs $1.26B). UBSI leads profitability with a 40.8% profit margin vs 31.7%. PNC appears more attractively valued with a PEG of 1.57. PNC earns a higher WallStSmart Score of 75/100 (B).
PNC
Strong Buy75
out of 100
Grade: B
UBSI
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Large-cap with strong market position
Generating 2.1B in free cash flow
Reasonable price relative to book value
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 52.9%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
2.5% revenue growth
2.2% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : PNC
The strongest argument for PNC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bull Case : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 40.8% and operating margin at 52.9%.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
PNC profiles as a mature stock while UBSI is a value play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
PNC is growing revenue faster at 10.9% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 61/100), backed by strong 31.7% margins and 10.9% 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 →United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
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