Itau Unibanco Banco Holding SA (ITUB)vsNSTS Bancorp Inc (NSTS)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
NSTS
NSTS Bancorp Inc
$13.72
+0.29%
FINANCIAL SERVICES · Cap: $66.10M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1346348% more annual revenue ($138.19B vs $10.26M). ITUB leads profitability with a 33.3% profit margin vs -0.9%. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
NSTS
Avoid31
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 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Reasonable price relative to book value
15.3% revenue growth
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -0.1% — below average capital efficiency
Currently unprofitable
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 : NSTS
The strongest argument for NSTS centers on Price/Book, Revenue Growth. Revenue growth of 15.3% demonstrates continued momentum.
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 : NSTS
The primary concerns for NSTS are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a declining stock while NSTS is a growth 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 15.3% — sustainability is the question.
NSTS generates stronger free cash flow (6M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 31/100), backed by strong 33.3% margins. 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.
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