WallStSmart

ConnectOne Bancorp, Inc. (CNOB)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 32319% more annual revenue ($143.71B vs $443.30M). CNOB leads profitability with a 36.1% profit margin vs 32.6%. ITUB appears more attractively valued with a PEG of 1.26. CNOB earns a higher WallStSmart Score of 80/100 (B+).

CNOB

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 6.3Quality: 7.0
Piotroski: 3/9Altman Z: 1.30

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNOB6 strengths · Avg: 10.0/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.1%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
55.2%10/10

Strong operational efficiency at 55.2%

Revenue GrowthGrowth
134.2%10/10

Revenue surging 134.2% year-over-year

Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

CNOB4 concerns · Avg: 3.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Market CapQuality
$1.59B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CNOB

The strongest argument for CNOB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.1% and operating margin at 55.2%. Revenue growth of 134.2% 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : CNOB

The primary concerns for CNOB are PEG Ratio, Market Cap, Return on Equity.

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

CNOB carries more volatility with a beta of 1.02 — expect wider price swings.

CNOB is growing revenue faster at 134.2% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CNOB scores higher overall (80/100 vs 77/100), backed by strong 36.1% margins and 134.2% revenue growth. 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.

ConnectOne Bancorp, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ConnectOne Bancorp, Inc. is the banking holding company for ConnectOne Bank, a licensed commercial bank offering a variety of commercial banking products and services. The company is headquartered in Englewood Cliffs, New Jersey.

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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