Itau Unibanco Banco Holding SA (ITUB)vsNational Bankshares Inc (NKSH)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NKSH
National Bankshares Inc
$36.31
-0.33%
FINANCIAL SERVICES · Cap: $234.10M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 249899% more annual revenue ($138.95B vs $55.58M). ITUB leads profitability with a 32.3% profit margin vs 28.5%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NKSH
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
+67.6%
Fair Value
$116.53
Current Price
$36.31
$80.22 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
Reasonable price relative to book value
Strong operational efficiency at 47.3%
Earnings expanding 90.5% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 29.2% year-over-year
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
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 : NKSH
The strongest argument for NKSH centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 28.5% and operating margin at 47.3%. Revenue growth of 29.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NKSH
The primary concerns for NKSH are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while NKSH is a growth play — different risk/reward profiles.
NKSH carries more volatility with a beta of 0.63 — expect wider price swings.
NKSH is growing revenue faster at 29.2% — 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 63/100), backed by strong 32.3% margins and 11.0% revenue growth. NKSH offers better value entry with a 67.6% 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.
National Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bankshares, Inc. is the banking holding company for the National Bank of Blacksburg offering retail and commercial banking products and services to individuals, businesses, non-profit organizations and local governments. The company is headquartered in Blacksburg, Virginia.
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