Arrow Financial Corporation (AROW)vsItau Unibanco Banco Holding SA (ITUB)
AROW
Arrow Financial Corporation
$33.24
-0.24%
FINANCIAL SERVICES · Cap: $531.01M
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 87662% more annual revenue ($138.95B vs $158.32M). ITUB leads profitability with a 32.3% profit margin vs 27.8%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
AROW
Strong Buy76
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$124.02
Current Price
$33.24
$90.78 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 40.7%
Revenue surging 37.0% year-over-year
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
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
2.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : AROW
The strongest argument for AROW centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.8% and operating margin at 40.7%. Revenue growth of 37.0% 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 : AROW
The primary concerns for AROW are EPS Growth, Market Cap, PEG Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
AROW profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
AROW carries more volatility with a beta of 0.79 — expect wider price swings.
AROW is growing revenue faster at 37.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
AROW scores higher overall (76/100 vs 76/100), backed by strong 27.8% margins and 37.0% 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.
Arrow Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.
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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