Renasant Corporation (RNST) and The PNC Financial Services Group Inc. (NYSE:PNC) Contrasting side by side

This is therefore a comparing of the profitability, analyst recommendations, risk, dividends, institutional ownership, earnings and valuation in Renasant Corporation (NASDAQ:RNST) and The PNC Financial Services Group Inc. (NYSE:PNC). The two are both Money Center Banks companies that compete with one another.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Renasant Corporation 533.68M 3.98 146.92M 2.66 12.40
The PNC Financial Services Group Inc. 16.72B 3.32 5.04B 9.68 12.83

Table 1 showcases the gross revenue, earnings per share and valuation of Renasant Corporation and The PNC Financial Services Group Inc. The PNC Financial Services Group Inc. appears to has higher revenue and earnings than Renasant Corporation. The business that Presently has a lower price-to-earnings ratio is considered the more affordable of the two businesses. Renasant Corporation’s presently lower price-to-earnings ratio means it is more affordable than The PNC Financial Services Group Inc.

Profitability

Table 2 provides the return on assets, return on equity and net margins of the two firms.

Net Margins Return on Equity Return on Assets
Renasant Corporation 27.53% 7.2% 1.1%
The PNC Financial Services Group Inc. 30.14% 12.3% 1.5%

Volatility & Risk

Renasant Corporation’s 1.04 beta indicates that its volatility is 4.00% more volatile than that of S&P 500. The PNC Financial Services Group Inc.’s 5.00% less volatile than S&P 500 which is a result of the 0.95 beta.

Dividends

$0.8 per share with a dividend yield of 2.22% is the annual dividend that Renasant Corporation pay. Meanhile, The PNC Financial Services Group Inc.’s yearly dividend is $3.4 per share and 2.76% dividend yield.

Analyst Recommendations

The Ratings and Recommendations for Renasant Corporation and The PNC Financial Services Group Inc. are featured in the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Renasant Corporation 0 0 0 0.00
The PNC Financial Services Group Inc. 0 8 1 2.11

The PNC Financial Services Group Inc. on the other hand boasts of a $141.5 consensus price target and a 16.48% potential upside.

Institutional & Insider Ownership

Institutional investors owned 61.2% of Renasant Corporation shares and 82.1% of The PNC Financial Services Group Inc. shares. About 0.9% of Renasant Corporation’s share are owned by insiders. On the other hand, insiders owned about 0.1% of The PNC Financial Services Group Inc.’s shares.

Performance

In this table we provide the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Renasant Corporation -9.82% -8.62% -27.85% -31.43% -21.39% -19.39%
The PNC Financial Services Group Inc. -8.48% -6.77% -12.89% -15.49% -13.36% -13.88%

For the past year Renasant Corporation was more bearish than The PNC Financial Services Group Inc.

Summary

On 15 of the 15 factors The PNC Financial Services Group Inc. beats Renasant Corporation.

Renasant Corporation operates as a bank holding company for Renasant Bank, which provides various financial, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings, money market, individual retirement, and health savings accounts, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate–1-4 family mortgage; real estate–commercial mortgage; real estate–construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; accounts receivable loans; and business and personal, and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and cash management services. The Insurance segment provides insurance agency services, including commercial and personal insurance products through various carriers. The Wealth Management segment offers fiduciary services, such as administration and management of trust accounts comprising personal and corporate benefit accounts, self-directed IRA’s, and custodial accounts; administers qualified retirement plans, profit sharing and other employee benefit plans, personal trusts, and estates; and annuities, mutual funds, and other investment services through a third party broker-dealer. As of December 31, 2016, the company had 170 banking, insurance, and financial services offices located in Mississippi, Tennessee, Alabama, Florida, and Georgia; 135 full-service branches and 13 limited-service branches; and 136 ATMs at on-premise locations and 17 ATMs located at off-premise sites. Renasant Corporation was founded in 1904 and is based in Tupelo, Mississippi.

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States and internationally. The companyÂ’s Retail Banking segment offers deposit, lending, brokerage, investment management, and cash management services to consumer and small business customers through branch network, ATMs, call centers, online banking, and mobile channels. As of December 31, 2016, this segment operated a network of 2,520 branches and 9,024 ATMs. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, equipment leases; and cash and investment management, receivables management, disbursement and funds transfer, information reporting, trade, foreign exchange, derivatives, securities, loan syndications, mergers and acquisitions advisory, and equity capital markets advisory related services for corporations, government, and not-for-profit entities. This segment also offers commercial loan servicing and technology solutions for the commercial real estate finance industry. The companyÂ’s Asset Management Group segment provides investment and retirement planning, customized investment management, private banking, tailored credit, and trust management and administration solutions; multi-generational family planning products; and mutual funds and institutional asset management services to individuals and their families. Its Residential Mortgage Banking segment offers first lien residential mortgage loans. The companyÂ’s BlackRock segment provides investment and risk management services to institutional and retail clients. Its Non-Strategic Assets Portfolio segment offers residential mortgage and brokered home equity loans and lines of credit, as well as commercial real estate loans and leases. The company was founded in 1922 and is headquartered in Pittsburgh, Pennsylvania.