Citizens & Northern Corp (CZNC)vsItau Unibanco Banco Holding SA (ITUB)
CZNC
Citizens & Northern Corp
$25.05
-0.20%
FINANCIAL SERVICES · Cap: $436.27M
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.74%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 122262% more annual revenue ($138.19B vs $112.93M). ITUB leads profitability with a 33.3% profit margin vs 15.4%. CZNC appears more attractively valued with a PEG of 1.21. ITUB earns a higher WallStSmart Score of 73/100 (B).
CZNC
Hold46
out of 100
Grade: D+
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
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
Areas to Watch
Smaller company, higher risk/reward
ROE of 5.2% — below average capital efficiency
Operating margin of 1.4%
Weak financial health signals
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CZNC
The strongest argument for CZNC centers on Price/Book. Profitability is solid with margins at 15.4% and operating margin at 1.4%. PEG of 1.21 suggests the stock is reasonably priced for its growth.
Bull 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 1.46 suggests the stock is reasonably priced for its growth.
Bear Case : CZNC
The primary concerns for CZNC are Market Cap, Return on Equity, Operating Margin.
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.
Key Dynamics to Monitor
CZNC carries more volatility with a beta of 0.40 — expect wider price swings.
ITUB is growing revenue faster at -2.1% — sustainability is the question.
CZNC generates stronger free cash flow (8M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (73/100 vs 46/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citizens & Northern Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens & Northern Corporation is the banking holding company for Citizens & Northern Bank providing a range of banking and mortgage services to individual and corporate clients in northern central Pennsylvania and southern New York. The company is headquartered in Wellsboro, 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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