PNC Financial Services Group Inc (PNC)vsUMB Financial Corporation (UMBF)
PNC
PNC Financial Services Group Inc
$228.37
-3.01%
FINANCIAL SERVICES · Cap: $88.75B
UMBF
UMB Financial Corporation
$129.92
+0.95%
FINANCIAL SERVICES · Cap: $10.29B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 743% more annual revenue ($23.04B vs $2.73B). UMBF leads profitability with a 32.3% profit margin vs 31.3%. PNC appears more attractively valued with a PEG of 1.66. UMBF earns a higher WallStSmart Score of 81/100 (A-).
PNC
Strong Buy75
out of 100
Grade: B
UMBF
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 32 of every $100 in revenue as profit
Strong operational efficiency at 51.0%
Revenue surging 49.0% year-over-year
Earnings expanding 176.9% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
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 : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 51.0%. Revenue growth of 49.0% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while UMBF is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
UMBF is growing revenue faster at 49.0% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (81/100 vs 75/100), backed by strong 32.3% margins and 49.0% 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 →UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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