COMPARE · Data as of August 28, 2026
NWG vs PFS
Verdict: Side-by-side breakdown using the Bull Rankings model. NWG scored 75.0, PFS scored 83.0 — PFS leads.
Compare another set
NWG
NatWest Group plc
76.4Fin
$18.87 · $74.9B
Strength gap
4.6
NWG leads
PFS
Provident Financial Services, Inc.
71.8Fin
$23.56 · $3.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestNWG9.3x
- Fastest growthPFS+25.3%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
NWG
PFS
+13.3%B+
Rev
+25.3%A-
9.3xA-
P/E
9.8xA-
14.8%B
ROE
11.1%B
1.42B+
P/B
1.06A-
5.0%A-
Yield
4.1%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
NWGNatWest Group plc
Why now
Banks - Regional · market cap $74.9b. Trading near 52-week high of $19.42 — momentum setup, limited technical margin of safety. Revenue growing +13%, comfortably above the S&P median. 4 sell-side analysts rate this a Buy with a mean 1-yr target of $21.54 (implying +14% upside).
Moat
Net margin 38% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 15% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. $74.9b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Trading within 3% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
PFSProvident Financial Services, Inc.
Why now
Banks - Regional · market cap $3.1b. 8% off the 52-week high of $25.49. Revenue growing +25% — in hypergrowth territory. 6 sell-side analysts publish a mean 1-yr target of $27.92 (implying +18% upside).
Moat
Net margin 35% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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