Itau Unibanco Banco Holding SA (ITUB)vsPatriot National Bancorp Inc (PNBK)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
PNBK
Patriot National Bancorp Inc
$1.05
-0.94%
FINANCIAL SERVICES · Cap: $135.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 422798% more annual revenue ($138.19B vs $32.68M). ITUB leads profitability with a 33.3% profit margin vs -35.8%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
PNBK
Avoid33
out of 100
Grade: F
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
Reasonable price relative to book value
Revenue surging 76.6% year-over-year
Conservative balance sheet, low leverage
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
Premium valuation, high expectations priced in
ROE of -13.0% — below average capital efficiency
Earnings declined 48.0%
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 : PNBK
The strongest argument for PNBK centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 76.6% 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 : PNBK
The primary concerns for PNBK are Market Cap, P/E Ratio, Return on Equity. A P/E of 57.5x leaves little room for execution misses.
Key Dynamics to Monitor
ITUB profiles as a declining stock while PNBK is a hypergrowth play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.22 — expect wider price swings.
PNBK is growing revenue faster at 76.6% — sustainability is the question.
PNBK generates stronger free cash flow (-3M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 33/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Avoid" 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.
Patriot National Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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