PNC Financial Services Group Inc (PNC)vsValley National Bancorp A Pref (VLYPP)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
VLYPP
Valley National Bancorp A Pref
$24.78
+1.31%
FINANCIAL SERVICES · Cap: $3.03B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1110% more annual revenue ($22.32B vs $1.84B). VLYPP leads profitability with a 32.4% profit margin vs 31.1%. 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
VLYPP
Strong Buy65
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
+51.1%
Fair Value
$51.95
Current Price
$24.78
$27.17 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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.5%
Revenue surging 38.3% year-over-year
Earnings expanding 66.7% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
ROE of 7.8% — 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 : VLYPP
The strongest argument for VLYPP centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 32.4% and operating margin at 46.5%. Revenue growth of 38.3% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : VLYPP
The primary concerns for VLYPP are Return on Equity.
Key Dynamics to Monitor
PNC profiles as a mature stock while VLYPP is a growth play — different risk/reward profiles.
VLYPP carries more volatility with a beta of 1.06 — expect wider price swings.
VLYPP is growing revenue faster at 38.3% — 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 65/100), backed by strong 31.1% margins. VLYPP offers better value entry with a 51.1% 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 →Valley National Bancorp A Pref
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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