F.N.B. Corp (FNB)vsItau Unibanco Banco Holding SA (ITUB)
FNB
F.N.B. Corp
$18.98
-0.13%
FINANCIAL SERVICES · Cap: $6.67B
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 7817% more annual revenue ($138.19B vs $1.75B). FNB leads profitability with a 34.6% profit margin vs 33.3%. FNB appears more attractively valued with a PEG of 1.05. FNB earns a higher WallStSmart Score of 74/100 (B).
FNB
Strong Buy74
out of 100
Grade: B
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.5%
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
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FNB
The strongest argument for FNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.6% and operating margin at 44.5%. PEG of 1.05 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 : FNB
The primary concerns for FNB are Altman Z-Score.
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
FNB profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
FNB carries more volatility with a beta of 0.86 — expect wider price swings.
FNB is growing revenue faster at 6.9% — sustainability is the question.
FNB generates stronger free cash flow (133M), providing more financial flexibility.
Bottom Line
FNB scores higher overall (74/100 vs 73/100), backed by strong 34.6% margins. 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.
F.N.B. Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, 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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