Farmers National Banc Corp (FMNB)vsItau Unibanco Banco Holding SA (ITUB)
FMNB
Farmers National Banc Corp
$12.89
+0.47%
FINANCIAL SERVICES · Cap: $744.10M
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 76453% more annual revenue ($138.95B vs $181.50M). ITUB leads profitability with a 32.3% profit margin vs 30.1%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FMNB
Buy57
out of 100
Grade: C
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+24.4%
Fair Value
$17.75
Current Price
$12.89
$4.86 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
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 50.0%
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
3.4% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FMNB
The strongest argument for FMNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.1% and operating margin at 50.0%.
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 : FMNB
The primary concerns for FMNB are EPS Growth, Market Cap, Piotroski F-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FMNB carries more volatility with a beta of 0.81 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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 57/100), backed by strong 32.3% margins and 11.0% revenue growth. FMNB offers better value entry with a 24.4% 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.
Farmers National Banc Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Farmers National Banc Corp. The company is headquartered in Canfield, Ohio.
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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