Itau Unibanco Banco Holding SA (ITUB)vsPatriot National Bancorp Inc (PNBK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PNBK
Patriot National Bancorp Inc
$1.37
-4.86%
FINANCIAL SERVICES · Cap: $104.42M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 888308% more annual revenue ($138.95B vs $15.64M). ITUB leads profitability with a 32.3% profit margin vs -2.8%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PNBK
Avoid24
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Intrinsic value data unavailable for PNBK.
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
Conservative balance sheet, low leverage
Reasonable price relative to book value
17.5% revenue growth
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of -83.0% — below average capital efficiency
Earnings declined 48.0%
Negative free cash flow — burning cash
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 : PNBK
The strongest argument for PNBK centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PNBK
The primary concerns for PNBK are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while PNBK is a growth play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — expect wider price swings.
PNBK is growing revenue faster at 17.5% — 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 24/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Avoid" 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.
Patriot National Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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