CNB Financial Corporation (CCNE)vsItau Unibanco Banco Holding SA (ITUB)
CCNE
CNB Financial Corporation
$28.33
+0.57%
FINANCIAL SERVICES · Cap: $813.49M
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 50732% more annual revenue ($138.95B vs $273.35M). ITUB leads profitability with a 32.3% profit margin vs 24.2%. CCNE appears more attractively valued with a PEG of 1.06. CCNE earns a higher WallStSmart Score of 81/100 (A-).
CCNE
Exceptional Buy81
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.4%
Fair Value
$116.53
Current Price
$28.33
$88.20 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 50.9%
Revenue surging 80.5% year-over-year
Earnings expanding 65.8% YoY
Keeps 24 of every $100 in revenue as profit
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
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : CCNE
The strongest argument for CCNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.2% and operating margin at 50.9%. Revenue growth of 80.5% 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 : CCNE
The primary concerns for CCNE are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
CCNE profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
CCNE carries more volatility with a beta of 0.70 — expect wider price swings.
CCNE is growing revenue faster at 80.5% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
CCNE scores higher overall (81/100 vs 76/100), backed by strong 24.2% margins and 80.5% revenue growth. Both earn "Exceptional 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.
CNB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CNB Financial Corporation is the banking holding company for CNB Bank offering a range of banking products and services for individual, commercial, government and institutional clients. The company is headquartered in Clearfield, 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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