Is PNC or SFST more undervalued in 2026?

CirclFi compares PNC Financial Services Group, I (PNC) and Southern First Bancshares, Inc. (SFST) using 13 institutional-grade valuation models. PNC has a Quality of Company score of 5.5/10 while SFST scores 8.3/10.

Which is a better buy — PNC or SFST?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PNC and SFST valuations compare?

PNC at $221.12 and SFST at $57.77 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PNC vs SFST Valuation Comparison 2026 — Intrinsic Value Analysis

PNC

National Commercial Banks

PNC Financial Services Group, I

Quality

5.5

out of 10

Value Trap

SAFE

Price

$221.12

Last close

Models

12/13

Active

SFST

National Commercial Banks

Southern First Bancshares, Inc.

Quality

8.3

out of 10

Value Trap

SAFE

Price

$57.77

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	PNC Fair Value	PNC Upside	SFST Fair Value	SFST Upside
Bayesian DCF	Intrinsic	$132.21	-40.2%	$52.77	-8.7%
Earnings Power Value	Intrinsic	$215.92	-2.4%	$67.90	+17.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PNC vs SFST — Which Stock Is More Undervalued?

SFST scores higher with a 8.3/10 quality rating vs PNC's 5.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PNC Financial Services Group, I (PNC) and Southern First Bancshares, Inc. (SFST) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PNC currently trades at $221.12 with a QOC of 5.5/10, while SFST trades at $57.77 with a QOC of 8.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).