First Bancorp Inc (FNLC)vsItau Unibanco Banco Holding SA (ITUB)
FNLC
First Bancorp Inc
$29.81
+1.64%
FINANCIAL SERVICES · Cap: $336.13M
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 143877% more annual revenue ($138.19B vs $95.98M). FNLC leads profitability with a 37.8% profit margin vs 33.3%. FNLC trades at a lower P/E of 9.2x. ITUB earns a higher WallStSmart Score of 74/100 (B).
FNLC
Strong Buy66
out of 100
Grade: B-
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Earnings expanding 27.0% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FNLC
The strongest argument for FNLC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.8% and operating margin at 46.8%. Revenue growth of 14.5% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : FNLC
The primary concerns for FNLC are Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
FNLC profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
FNLC carries more volatility with a beta of 0.52 — expect wider price swings.
FNLC is growing revenue faster at 14.5% — sustainability is the question.
FNLC generates stronger free cash flow (22M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 66/100), backed by strong 33.3% margins. 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.
First Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp, Inc. is the holding company of First National Bank offering a range of banking products and services to individual and corporate clients. The company is headquartered in Damariscotta, Maine.
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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