First Northwest Bancorp (FNWB)vsItau Unibanco Banco Holding SA (ITUB)
FNWB
First Northwest Bancorp
$8.58
-1.49%
FINANCIAL SERVICES · Cap: $80.52M
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 229322% more annual revenue ($138.95B vs $60.56M). ITUB leads profitability with a 32.3% profit margin vs -6.9%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FNWB
Buy59
out of 100
Grade: C
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FNWB.
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 35.9%
Revenue surging 63.6% year-over-year
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
3.3% earnings growth
Smaller company, higher risk/reward
ROE of -2.7% — below average capital efficiency
Negative free cash flow — burning cash
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FNWB
The strongest argument for FNWB centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 63.6% 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 : FNWB
The primary concerns for FNWB are EPS Growth, Market Cap, Return on Equity. Debt-to-equity of 2.17 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FNWB profiles as a hypergrowth stock while ITUB is a mature play — different risk/reward profiles.
FNWB carries more volatility with a beta of 0.57 — expect wider price swings.
FNWB is growing revenue faster at 63.6% — 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 59/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "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.
First Northwest Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Northwest Bancorp is a banking holding company of the First Federal Savings and Loan Association of Port Angeles that provides commercial and consumer banking services to individuals, businesses and non-profit organizations in Western Washington, United States. The company is headquartered in Port Angeles, Washington.
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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