Auburn National Bancorporation Inc (AUBN)vsItau Unibanco Banco Holding SA (ITUB)
AUBN
Auburn National Bancorporation Inc
$22.95
-0.09%
FINANCIAL SERVICES · Cap: $89.44M
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 429544% more annual revenue ($138.95B vs $32.34M). ITUB leads profitability with a 32.3% profit margin vs 22.1%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
AUBN
Buy63
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.9%
Fair Value
$95.94
Current Price
$22.95
$72.99 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.9%
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 28.6% YoY
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : AUBN
The strongest argument for AUBN centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 32.9%. Revenue growth of 11.5% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : AUBN
The primary concerns for AUBN are Market Cap, Piotroski F-Score, PEG Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
AUBN carries more volatility with a beta of 0.45 — expect wider price swings.
AUBN is growing revenue faster at 11.5% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 63/100), backed by strong 32.3% margins and 11.0% revenue growth. AUBN offers better value entry with a 73.9% margin of safety. 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.
Auburn National Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Auburn National Bancorporation, Inc. is the banking holding company for AuburnBank offering various banking products and services in East Alabama. The company is headquartered in Auburn, Alabama.
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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