Itau Unibanco Banco Holding SA (ITUB)vsNortheast Community Bancorp Inc (NECB)
ITUB
Itau Unibanco Banco Holding SA
$7.37
-0.41%
FINANCIAL SERVICES · Cap: $104.05B
NECB
Northeast Community Bancorp Inc
$28.64
+0.42%
FINANCIAL SERVICES · Cap: $382.28M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 140728% more annual revenue ($143.71B vs $102.05M). NECB leads profitability with a 40.4% profit margin vs 32.6%. NECB trades at a lower P/E of 8.9x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
NECB
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 58.5%
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 3.9%
Earnings declined 9.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : NECB
The strongest argument for NECB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 40.4% and operating margin at 58.5%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : NECB
The primary concerns for NECB are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ITUB profiles as a growth stock while NECB is a declining play — different risk/reward profiles.
NECB carries more volatility with a beta of 0.37 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 55/100), backed by strong 32.6% margins and 17.5% 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.
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.
Northeast Community Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Community Bancorp, Inc. is the holding company of Northeast Community Bank that provides a variety of financial services to consumers and businesses.
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