PNC Financial Services Group Inc (PNC)vsWesBanco Inc (WSBC)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
WSBC
WesBanco Inc
$33.87
0.00%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 2370% more annual revenue ($22.32B vs $903.81M). PNC leads profitability with a 31.1% profit margin vs 24.7%. WSBC appears more attractively valued with a PEG of 1.23. WSBC earns a higher WallStSmart Score of 80/100 (B+).
PNC
Strong Buy73
out of 100
Grade: B
WSBC
Strong Buy80
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
+47.9%
Fair Value
$70.82
Current Price
$33.87
$36.95 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 49.8%
Revenue surging 61.0% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
ROE of 6.5% — 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 : WSBC
The strongest argument for WSBC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.7% and operating margin at 49.8%. Revenue growth of 61.0% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : WSBC
The primary concerns for WSBC are Return on Equity.
Key Dynamics to Monitor
PNC profiles as a mature stock while WSBC is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
WSBC is growing revenue faster at 61.0% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
WSBC scores higher overall (80/100 vs 73/100), backed by strong 24.7% margins and 61.0% 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 →WesBanco Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WesBanco, Inc. is the banking holding company for WesBanco Bank, Inc. offering retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services. The company is headquartered in Wheeling, West Virginia.
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