Itau Unibanco Banco Holding SA (ITUB)vsNSTS Bancorp Inc (NSTS)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NSTS
NSTS Bancorp Inc
$11.80
-3.04%
FINANCIAL SERVICES · Cap: $59.49M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1423246% more annual revenue ($138.95B vs $9.76M). ITUB leads profitability with a 32.3% profit margin vs -5.8%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NSTS
Avoid32
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Intrinsic value data unavailable for NSTS.
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
Areas to Watch
2.8% earnings growth
0.0% earnings growth
Smaller company, higher risk/reward
Operating margin of 2.5%
ROE of -0.7% — below average capital efficiency
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 : NSTS
The strongest argument for NSTS centers on Price/Book. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NSTS
The primary concerns for NSTS are EPS Growth, Market Cap, Operating Margin.
Key Dynamics to Monitor
ITUB profiles as a mature stock while NSTS is a turnaround play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — expect wider price swings.
NSTS is growing revenue faster at 14.6% — 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 32/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Avoid" 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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