Itau Unibanco Banco Holding SA (ITUB)vsNorwood Financial Corp (NWFL)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
NWFL
Norwood Financial Corp
$30.79
+1.85%
FINANCIAL SERVICES · Cap: $336.52M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 149085% more annual revenue ($138.19B vs $92.63M). ITUB leads profitability with a 33.3% profit margin vs 27.8%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
NWFL
Buy65
out of 100
Grade: C+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Revenue surging 33.4% year-over-year
Keeps 28 of every $100 in revenue as profit
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 44.7%
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : NWFL
The strongest argument for NWFL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.8% and operating margin at 40.6%. Revenue growth of 33.4% 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 : NWFL
The primary concerns for NWFL are PEG Ratio, Market Cap, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a declining stock while NWFL is a growth play — different risk/reward profiles.
NWFL carries more volatility with a beta of 0.55 — expect wider price swings.
NWFL is growing revenue faster at 33.4% — sustainability is the question.
NWFL generates stronger free cash flow (6M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 65/100), backed by strong 33.3% margins. 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.
Norwood Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.
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