ACNB Corporation (ACNB)vsItau Unibanco Banco Holding SA (ITUB)
ACNB
ACNB Corporation
$63.94
+0.14%
FINANCIAL SERVICES · Cap: $661.25M
ITUB
Itau Unibanco Banco Holding SA
$8.19
-2.91%
FINANCIAL SERVICES · Cap: $91.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 89172% more annual revenue ($143.71B vs $160.98M). ACNB leads profitability with a 33.9% profit margin vs 32.6%. ITUB trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ACNB
Buy62
out of 100
Grade: C+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 48.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 34.2% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ACNB
The strongest argument for ACNB centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.9% and operating margin at 48.9%.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : ACNB
The primary concerns for ACNB are Market Cap, Piotroski F-Score, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACNB profiles as a mature stock while ITUB is a growth play — different risk/reward profiles.
ACNB carries more volatility with a beta of 0.86 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 62/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
ACNB Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ACNB Corporation, a financial holding company, provides banking, insurance and financial services to individual, commercial and government clients in the United States. The company is headquartered in Gettysburg, Pennsylvania.
Visit Website →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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