PNC Financial Services Group Inc (PNC)vsWebster Financial Corporation (WBS)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
WBS
Webster Financial Corporation
$69.45
+1.14%
FINANCIAL SERVICES · Cap: $11.20B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 734% more annual revenue ($22.32B vs $2.68B). WBS leads profitability with a 37.5% profit margin vs 31.1%. WBS appears more attractively valued with a PEG of 1.73. WBS earns a higher WallStSmart Score of 76/100 (B+).
PNC
Strong Buy73
out of 100
Grade: B
WBS
Strong Buy76
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
+73.8%
Fair Value
$276.12
Current Price
$69.45
$206.67 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Earnings expanding 52.7% YoY
15.9% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : WBS
The strongest argument for WBS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.5% and operating margin at 46.4%. Revenue growth of 15.9% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : WBS
The primary concerns for WBS are PEG Ratio.
Key Dynamics to Monitor
PNC profiles as a mature stock while WBS is a growth play — different risk/reward profiles.
WBS carries more volatility with a beta of 1.04 — expect wider price swings.
WBS is growing revenue faster at 15.9% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
WBS scores higher overall (76/100 vs 73/100), backed by strong 37.5% margins and 15.9% revenue growth. PNC offers better value entry with a 73.5% 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 →Webster Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Webster Financial Corporation is the banking holding company for Webster Bank, a National Association that provides a variety of banking, investment, and financial services to individuals, families, and businesses in the United States. The company is headquartered in Waterbury, Connecticut.
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