PNC Financial Services Group Inc (PNC)vsVersaBank (VBNK)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
VBNK
VersaBank
$13.83
+1.24%
FINANCIAL SERVICES · Cap: $443.52M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 17170% more annual revenue ($22.32B vs $129.24M). 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
VBNK
Strong Buy67
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
+48.6%
Fair Value
$31.75
Current Price
$13.83
$17.92 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
Strong operational efficiency at 42.6%
Revenue surging 33.6% year-over-year
Keeps 24 of every $100 in revenue as profit
Earnings expanding 23.7% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
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 : VBNK
The strongest argument for VBNK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.3% and operating margin at 42.6%. Revenue growth of 33.6% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : VBNK
The primary concerns for VBNK are Market Cap, Return on Equity.
Key Dynamics to Monitor
PNC profiles as a mature stock while VBNK is a growth play — different risk/reward profiles.
VBNK carries more volatility with a beta of 0.98 — expect wider price swings.
VBNK is growing revenue faster at 33.6% — 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 67/100), backed by strong 31.1% margins. VBNK offers better value entry with a 48.6% 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 →VersaBank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
VersaBank (VBNK) is a leading digital bank based in London, Ontario, distinguished by its innovative approach to banking through advanced technology solutions. The bank specializes in commercial and residential lending, leveraging a robust cloud-based infrastructure that enables cost-effective operations and a secure banking experience for its clients. With a strong emphasis on cybersecurity, VersaBank is positioned to capitalize on the ongoing digital transformation in the financial services sector, adapting to evolving consumer demands and enhancing its comprehensive suite of financial products. As a pioneer in the Canadian digital banking landscape, VersaBank is well-equipped to navigate the complexities of modern finance and seize emerging market opportunities.
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