Itau Unibanco Banco Holding SA (ITUB)vsNBT Bancorp Inc (NBTB)
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
NBTB
NBT Bancorp Inc
$45.59
+1.15%
FINANCIAL SERVICES · Cap: $2.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 19738% more annual revenue ($138.19B vs $696.57M). ITUB leads profitability with a 33.3% profit margin vs 26.4%. ITUB appears more attractively valued with a PEG of 1.35. NBTB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
NBTB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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 22 in profit
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 39.1%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Revenue declined 2.1%
Negative free cash flow — burning cash
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 39.1%. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a declining stock while NBTB is a growth play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.48 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — sustainability is the question.
NBTB generates stronger free cash flow (53M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 74/100), backed by strong 33.3% 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.
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.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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