Itau Unibanco Banco Holding SA (ITUB)vsNSTS Bancorp Inc (NSTS)
ITUB
Itau Unibanco Banco Holding SA
$8.33
+0.36%
FINANCIAL SERVICES · Cap: $91.48B
NSTS
NSTS Bancorp Inc
$14.11
-0.07%
FINANCIAL SERVICES · Cap: $69.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1304612% more annual revenue ($143.71B vs $11.02M). ITUB leads profitability with a 32.6% profit margin vs -0.4%. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
NSTS
Hold39
out of 100
Grade: F
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Revenue surging 30.2% year-over-year
Areas to Watch
Weak financial health signals
Elevated debt levels
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -0.1% — below average capital efficiency
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : NSTS
The strongest argument for NSTS centers on Price/Book, Revenue Growth. Revenue growth of 30.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : NSTS
The primary concerns for NSTS are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a growth stock while NSTS is a hypergrowth play — different risk/reward profiles.
NSTS carries more volatility with a beta of 0.22 — expect wider price swings.
NSTS is growing revenue faster at 30.2% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 39/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "Hold" 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.
NSTS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NSTS Bancorp, Inc. is focused on operating as a savings and loan holding company for North Shore Trust and Savings which provides banking products and services in Illinois. The company is headquartered in Waukegan, Illinois.
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