Itau Unibanco Banco Holding SA (ITUB)vsNortheast Community Bancorp Inc (NECB)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
NECB
Northeast Community Bancorp Inc
$25.00
+1.83%
FINANCIAL SERVICES · Cap: $345.85M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 132015% more annual revenue ($138.19B vs $104.59M). NECB leads profitability with a 41.9% profit margin vs 33.3%. NECB trades at a lower P/E of 7.8x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
NECB
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 56.4%
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 1.3%
Earnings declined 5.1%
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : NECB
The strongest argument for NECB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.9% and operating margin at 56.4%.
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.
Bear Case : NECB
The primary concerns for NECB are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
NECB carries more volatility with a beta of 0.36 — expect wider price swings.
NECB is growing revenue faster at -1.3% — sustainability is the question.
NECB generates stronger free cash flow (10M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (74/100 vs 55/100), backed by strong 33.3% margins. 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 Community Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Community Bancorp, Inc. is the holding company of Northeast Community Bank that provides a variety of financial services to consumers and businesses.
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