Itau Unibanco Banco Holding SA (ITUB)vsNortheast Bancorp (NBN)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NBN
Northeast Bancorp
$109.31
-0.81%
FINANCIAL SERVICES · Cap: $910.59M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 65106% more annual revenue ($138.95B vs $213.09M). NBN leads profitability with a 40.9% profit margin vs 32.3%. 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+
NBN
Buy54
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
-71.8%
Fair Value
$70.52
Current Price
$109.31
$38.79 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
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 60.1%
Reasonable price relative to book value
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 3.1%
Earnings declined 9.9%
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 : NBN
The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.9% and operating margin at 60.1%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NBN
The primary concerns for NBN are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while NBN is a declining play — different risk/reward profiles.
NBN carries more volatility with a beta of 0.60 — 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 54/100), 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.
Northeast Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.
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