Itau Unibanco Banco Holding SA (ITUB)vsNorwood Financial Corp (NWFL)
ITUB
Itau Unibanco Banco Holding SA
$7.13
-3.26%
FINANCIAL SERVICES · Cap: $104.05B
NWFL
Norwood Financial Corp
$35.51
-0.36%
FINANCIAL SERVICES · Cap: $379.06M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 144068% more annual revenue ($143.71B vs $99.69M). ITUB leads profitability with a 32.6% profit margin vs 28.9%. ITUB appears more attractively valued with a PEG of 1.33. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
NWFL
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.9%
Revenue surging 34.7% year-over-year
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : NWFL
The strongest argument for NWFL centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.9% and operating margin at 44.9%. Revenue growth of 34.7% 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 : NWFL
The primary concerns for NWFL are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
NWFL carries more volatility with a beta of 0.55 — expect wider price swings.
NWFL is growing revenue faster at 34.7% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 73/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
Norwood Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.
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