Itau Unibanco Banco Holding SA (ITUB)vsNational Bank Holdings Corporation (NBHC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NBHC
National Bank Holdings Corporation
$38.44
+1.05%
FINANCIAL SERVICES · Cap: $1.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 34788% more annual revenue ($138.95B vs $398.27M). ITUB leads profitability with a 32.3% profit margin vs 27.5%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NBHC
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
-114.3%
Fair Value
$19.38
Current Price
$38.44
$19.06 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 24.1%
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
Smaller company, higher risk/reward
Revenue declined 7.7%
Earnings declined 41.9%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : NBHC
The strongest argument for NBHC centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 27.5% and operating margin at 24.1%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NBHC
The primary concerns for NBHC are PEG Ratio, Market Cap, Revenue Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while NBHC is a declining play — different risk/reward profiles.
NBHC carries more volatility with a beta of 0.79 — 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.
Bottom Line
ITUB scores higher overall (76/100 vs 53/100), backed by strong 32.3% margins and 11.0% 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.
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.
National Bank Holdings Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.
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