PNC Financial Services Group, Inc. (The) (NYSE: PNC) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF) are both financials companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, valuation, risk, profitability, analyst recommendations, earnings and institutional ownership.

Analyst Recommendations

This is a summary of recent recommendations for PNC Financial Services Group, Inc. (The) and Seacoast Banking Corporation of Florida, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PNC Financial Services Group, Inc. (The) 0 14 6 2 2.45
Seacoast Banking Corporation of Florida 0 1 5 0 2.83

PNC Financial Services Group, Inc. (The) presently has a consensus price target of $134.97, suggesting a potential upside of 1.45%. Seacoast Banking Corporation of Florida has a consensus price target of $24.67, suggesting a potential downside of 2.62%. Given PNC Financial Services Group, Inc. (The)’s higher probable upside, equities analysts plainly believe PNC Financial Services Group, Inc. (The) is more favorable than Seacoast Banking Corporation of Florida.

Dividends

PNC Financial Services Group, Inc. (The) pays an annual dividend of $3.00 per share and has a dividend yield of 2.3%. Seacoast Banking Corporation of Florida does not pay a dividend. PNC Financial Services Group, Inc. (The) pays out 36.5% of its earnings in the form of a dividend. PNC Financial Services Group, Inc. (The) has increased its dividend for 6 consecutive years.

Insider and Institutional Ownership

80.2% of PNC Financial Services Group, Inc. (The) shares are owned by institutional investors. Comparatively, 76.7% of Seacoast Banking Corporation of Florida shares are owned by institutional investors. 0.4% of PNC Financial Services Group, Inc. (The) shares are owned by company insiders. Comparatively, 2.8% of Seacoast Banking Corporation of Florida shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares PNC Financial Services Group, Inc. (The) and Seacoast Banking Corporation of Florida’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PNC Financial Services Group, Inc. (The) 24.61% 9.29% 1.16%
Seacoast Banking Corporation of Florida 18.48% 9.37% 0.98%

Risk and Volatility

PNC Financial Services Group, Inc. (The) has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, Seacoast Banking Corporation of Florida has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500.

Valuation and Earnings

This table compares PNC Financial Services Group, Inc. (The) and Seacoast Banking Corporation of Florida’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio NetIncome Earnings Per Share Price/Earnings Ratio
PNC Financial Services Group, Inc. (The) $16.42 billion 3.85 $3.90 billion $8.21 16.20
Seacoast Banking Corporation of Florida $185.85 million 5.93 $29.20 million $0.98 25.85

PNC Financial Services Group, Inc. (The) has higher revenue and earnings than Seacoast Banking Corporation of Florida. PNC Financial Services Group, Inc. (The) is trading at a lower price-to-earnings ratio than Seacoast Banking Corporation of Florida, indicating that it is currently the more affordable of the two stocks.

Summary

PNC Financial Services Group, Inc. (The) beats Seacoast Banking Corporation of Florida on 12 of the 18 factors compared between the two stocks.

PNC Financial Services Group, Inc. (The) Company Profile

The PNC Financial Services Group, Inc. is a diversified financial services company. The Company has businesses engaged in retail banking, including residential mortgage, corporate and institutional banking and asset management. The Company operates through four segments: Retail Banking, Corporate & Institutional Banking, Asset Management Group, and BlackRock. Retail Banking provides deposit, lending, brokerage, investment management and cash management products and services. Corporate & Institutional Banking provides lending, treasury management and capital markets-related products and services. Asset Management Group includes personal wealth management for high net worth and ultra-high net worth clients and institutional asset management. BlackRock, in which the Company holds an equity investment, is a publicly traded investment management firm providing investment and risk management services to institutional and retail clients across the world.

Seacoast Banking Corporation of Florida Company Profile

Seacoast Banking Corporation of Florida is a bank holding company. The Company’s principal subsidiary is Seacoast National Bank, a national banking association (the Bank). The Company and its subsidiaries offer an array of deposit accounts and retail banking services, engage in consumer and commercial lending and provide a range of trust and asset management services, as well as securities and annuity products to its customers. The Company, through its bank subsidiary, provides a range of community banking services to commercial, small business and retail customers, offering a range of transaction and savings deposit products, treasury management services, brokerage, and secured and unsecured loan products, including revolving credit facilities, letters of credit and similar financial guarantees, and asset based financing. The Bank also provides trust and investment management services to retirement plans, corporations and individuals.

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