First Bancorp Inc (FNLC)vsItau Unibanco Banco Holding SA (ITUB)
FNLC
First Bancorp Inc
$36.78
-0.16%
FINANCIAL SERVICES · Cap: $407.30M
ITUB
Itau Unibanco Banco Holding SA
$7.38
-2.38%
FINANCIAL SERVICES · Cap: $78.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 141517% more annual revenue ($143.71B vs $101.48M). FNLC leads profitability with a 38.8% profit margin vs 32.6%. ITUB trades at a lower P/E of 9.1x. ITUB earns a higher WallStSmart Score of 79/100 (B+).
FNLC
Buy62
out of 100
Grade: C+
ITUB
Strong Buy79
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 39 of every $100 in revenue as profit
Strong operational efficiency at 51.3%
Generating 18.6B in free cash flow
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
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
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
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 38.8% and operating margin at 51.3%. Revenue growth of 11.2% 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 : FNLC
The primary concerns for FNLC are Market Cap, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
FNLC profiles as a mature stock while ITUB is a growth play — different risk/reward profiles.
FNLC carries more volatility with a beta of 0.48 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
FNLC generates stronger free cash flow (18.6B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (79/100 vs 62/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
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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