F.N.B. Corp (FNB)vsItau Unibanco Banco Holding SA (ITUB)
FNB
F.N.B. Corp
$16.49
+0.18%
FINANCIAL SERVICES · Cap: $5.88B
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 8176% more annual revenue ($138.95B vs $1.68B). FNB leads profitability with a 33.7% profit margin vs 32.3%. FNB appears more attractively valued with a PEG of 1.05. FNB earns a higher WallStSmart Score of 82/100 (A-).
FNB
Exceptional Buy82
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$73.01
Current Price
$16.49
$56.52 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 34 of every $100 in revenue as profit
Strong operational efficiency at 38.5%
Earnings expanding 55.8% YoY
Revenue surging 26.4% year-over-year
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
No major concerns identified
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FNB
The strongest argument for FNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 38.5%. Revenue growth of 26.4% 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 : FNB
No major red flags identified for FNB, but monitor valuation.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FNB profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FNB carries more volatility with a beta of 0.91 — expect wider price swings.
FNB is growing revenue faster at 26.4% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
FNB scores higher overall (82/100 vs 76/100), backed by strong 33.7% margins and 26.4% 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.
F.N.B. Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, 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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?