ACNB Corporation (ACNB)vsItau Unibanco Banco Holding SA (ITUB)
ACNB
ACNB Corporation
$53.54
+1.02%
FINANCIAL SERVICES · Cap: $547.92M
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 86888% more annual revenue ($138.19B vs $158.86M). ITUB leads profitability with a 33.3% profit margin vs 32.1%. ITUB trades at a lower P/E of 9.7x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ACNB
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.7%
Revenue surging 42.7% year-over-year
Earnings expanding 34.8% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Revenue declined 2.1%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ACNB
The strongest argument for ACNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.1% and operating margin at 45.7%. Revenue growth of 42.7% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : ACNB
The primary concerns for ACNB are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
ACNB profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
ACNB carries more volatility with a beta of 0.87 — expect wider price swings.
ACNB is growing revenue faster at 42.7% — sustainability is the question.
ACNB generates stronger free cash flow (11M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 71/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Strong 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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