Itau Unibanco Banco Holding SA (ITUB)vsOrrstown Financial Services Inc (ORRF)
ITUB
Itau Unibanco Banco Holding SA
$8.12
-0.08%
FINANCIAL SERVICES · Cap: $90.71B
ORRF
Orrstown Financial Services Inc
$40.85
-3.81%
FINANCIAL SERVICES · Cap: $802.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 54012% more annual revenue ($138.19B vs $255.37M). ITUB leads profitability with a 33.3% profit margin vs 33.1%. ORRF trades at a lower P/E of 9.3x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
ORRF
Buy64
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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
Earnings expanding 20.4% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
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 33.3% and operating margin at 33.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bull Case : ORRF
The strongest argument for ORRF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 47.2%.
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 : ORRF
The primary concerns for ORRF are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while ORRF is a mature play — different risk/reward profiles.
ORRF carries more volatility with a beta of 0.70 — expect wider price swings.
ORRF is growing revenue faster at 5.4% — sustainability is the question.
ORRF generates stronger free cash flow (25M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 64/100), 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.
Orrstown Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.
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