Itau Unibanco Banco Holding SA (ITUB)vsNortheast Community Bancorp Inc (NECB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NECB
Northeast Community Bancorp Inc
$23.69
-0.80%
FINANCIAL SERVICES · Cap: $331.19M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 132323% more annual revenue ($138.95B vs $104.93M). NECB leads profitability with a 42.3% profit margin vs 32.3%. NECB trades at a lower P/E of 7.4x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NECB
Buy63
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
+52.0%
Fair Value
$50.70
Current Price
$23.69
$27.01 discount
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
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 59.5%
Conservative balance sheet, low leverage
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
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 : NECB
The strongest argument for NECB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 42.3% and operating margin at 59.5%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NECB
The primary concerns for NECB are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
NECB carries more volatility with a beta of 0.38 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 63/100), backed by strong 32.3% margins and 11.0% revenue growth. NECB offers better value entry with a 52.0% margin of safety. 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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