BV Financial (NASDAQ:BVFL – Get Free Report) and The PNC Financial Services Group (NYSE:PNC – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, risk, earnings, dividends, valuation, analyst recommendations and institutional ownership.
Insider & Institutional Ownership
42.6% of BV Financial shares are owned by institutional investors. Comparatively, 83.5% of The PNC Financial Services Group shares are owned by institutional investors. 15.7% of BV Financial shares are owned by company insiders. Comparatively, 0.4% of The PNC Financial Services Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Analyst Ratings
This is a summary of recent recommendations and price targets for BV Financial and The PNC Financial Services Group, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BV Financial | 0 | 0 | 1 | 0 | 3.00 |
| The PNC Financial Services Group | 0 | 4 | 16 | 1 | 2.86 |
Profitability
This table compares BV Financial and The PNC Financial Services Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BV Financial | 25.01% | 9.31% | 1.91% |
| The PNC Financial Services Group | 21.41% | 12.48% | 1.31% |
Volatility & Risk
BV Financial has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500. Comparatively, The PNC Financial Services Group has a beta of 0.9, suggesting that its stock price is 10% less volatile than the S&P 500.
Valuation & Earnings
This table compares BV Financial and The PNC Financial Services Group”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BV Financial | $52.43 million | 3.37 | $13.49 million | $1.52 | 13.73 |
| The PNC Financial Services Group | $24.56 billion | 3.66 | $6.94 billion | $18.17 | 12.41 |
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 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.
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.
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