Itau Unibanco Banco Holding SA (ITUB)vsNorthrim BanCorp Inc (NRIM)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NRIM
Northrim BanCorp Inc
$22.79
-0.13%
FINANCIAL SERVICES · Cap: $505.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 66413% more annual revenue ($138.95B vs $208.90M). ITUB leads profitability with a 32.3% profit margin vs 30.9%. NRIM trades at a lower P/E of 8.0x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NRIM
Strong Buy70
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+66.1%
Fair Value
$75.54
Current Price
$22.79
$52.75 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 34.5%
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : NRIM
The strongest argument for NRIM centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.9% and operating margin at 34.5%. Revenue growth of 17.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NRIM
The primary concerns for NRIM are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while NRIM is a growth play — different risk/reward profiles.
NRIM carries more volatility with a beta of 0.93 — expect wider price swings.
NRIM is growing revenue faster at 17.2% — 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 70/100), backed by strong 32.3% margins and 11.0% revenue growth. NRIM offers better value entry with a 66.1% margin of safety. 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.
Northrim BanCorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northrim BanCorp, Inc. is the banking holding company for Northrim Bank offering commercial banking products and services to businesses and professionals. The company is headquartered in Anchorage, Alaska.
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