Itau Unibanco Banco Holding SA (ITUB)vsNorthwest Bancshares Inc (NWBI)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NWBI
Northwest Bancshares Inc
$12.51
+0.48%
FINANCIAL SERVICES · Cap: $1.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 23093% more annual revenue ($138.95B vs $599.09M). ITUB leads profitability with a 32.3% profit margin vs 21.0%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NWBI
Strong Buy71
out of 100
Grade: B
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
+52.4%
Fair Value
$27.31
Current Price
$12.51
$14.80 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 39.9%
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 25.1% year-over-year
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.2% — 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 : NWBI
The strongest argument for NWBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 21.0% and operating margin at 39.9%. Revenue growth of 25.1% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NWBI
The primary concerns for NWBI are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while NWBI is a growth play — different risk/reward profiles.
NWBI carries more volatility with a beta of 0.66 — expect wider price swings.
NWBI is growing revenue faster at 25.1% — 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 71/100), backed by strong 32.3% margins and 11.0% revenue growth. NWBI offers better value entry with a 52.4% margin of safety. Both earn "Strong Buy" and "Strong 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.
Northwest Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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