Financial Review: The PNC Financial Services Group (NYSE:PNC) vs. BV Financial (NASDAQ:BVFL)

The PNC Financial Services Group (NYSE:PNC) and BV Financial (NASDAQ:BVFL) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, institutional ownership, earnings, profitability and dividends.

Analyst Ratings

This is a summary of recent recommendations for The PNC Financial Services Group and BV Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
The PNC Financial Services Group	0	4	16	1	2.86
BV Financial	0	0	1	0	3.00

The PNC Financial Services Group presently has a consensus price target of $269.42, indicating a potential upside of 21.90%. Given The PNC Financial Services Group’s higher probable upside, equities analysts clearly believe The PNC Financial Services Group is more favorable than BV Financial.

Risk and Volatility

The PNC Financial Services Group has a beta of 0.94, indicating that its stock price is 6% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500.

Institutional & Insider Ownership

83.5% of The PNC Financial Services Group shares are owned by institutional investors. Comparatively, 42.6% of BV Financial shares are owned by institutional investors. 0.4% of The PNC Financial Services Group shares are owned by insiders. Comparatively, 15.7% of BV Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares The PNC Financial Services Group and BV Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
The PNC Financial Services Group	21.41%	12.48%	1.31%
BV Financial	25.01%	9.31%	1.91%

Earnings & Valuation

This table compares The PNC Financial Services Group and BV Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
The PNC Financial Services Group	$24.56 billion	3.59	$6.94 billion	$18.17	12.16
BV Financial	$52.43 million	3.43	$13.49 million	$1.52	13.97

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

Summary

The PNC Financial Services Group beats BV Financial on 10 of the 15 factors compared between the two stocks.

About The PNC Financial Services Group

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; securities underwriting, loan syndications, customer-related trading, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.

About BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.