Itau Unibanco Banco Holding SA (ITUB)vsNorwood Financial Corp (NWFL)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.20%
FINANCIAL SERVICES · Cap: $91.48B
NWFL
Norwood Financial Corp
$34.75
+0.67%
FINANCIAL SERVICES · Cap: $378.41M
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 1.26. 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
Attractively priced relative to earnings
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
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 P/E Ratio, Profit Margin, Operating Margin. 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 P/E Ratio, Price/Book, Operating Margin. 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 0.53 — 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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