ACNB Corporation (ACNB)vsItau Unibanco Banco Holding SA (ITUB)
ACNB
ACNB Corporation
$47.20
+0.23%
FINANCIAL SERVICES · Cap: $476.76M
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 94625% more annual revenue ($138.95B vs $146.68M). ITUB leads profitability with a 32.3% profit margin vs 25.3%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ACNB
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.7%
Fair Value
$168.48
Current Price
$47.20
$121.28 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 41.9%
Revenue surging 37.6% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 34.8% YoY
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : ACNB
The strongest argument for ACNB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 41.9%. Revenue growth of 37.6% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : ACNB
The primary concerns for ACNB are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
ACNB profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
ACNB carries more volatility with a beta of 0.85 — expect wider price swings.
ACNB is growing revenue faster at 37.6% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 71/100), backed by strong 32.3% margins and 11.0% revenue growth. ACNB offers better value entry with a 68.7% margin of safety. 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.
ACNB Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ACNB Corporation, a financial holding company, provides banking, insurance and financial services to individual, commercial and government clients in the United States. The company is headquartered in Gettysburg, Pennsylvania.
Visit Website →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.
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