Itau Unibanco Banco Holding SA (ITUB)vsPatriot National Bancorp Inc (PNBK)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.20%
FINANCIAL SERVICES · Cap: $91.48B
PNBK
Patriot National Bancorp Inc
$0.98
+2.82%
FINANCIAL SERVICES · Cap: $113.17M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 364314% more annual revenue ($143.71B vs $39.44M). ITUB leads profitability with a 32.6% profit margin vs -16.6%. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
PNBK
Avoid31
out of 100
Grade: F
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Revenue surging 144.0% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
ROE of -13.0% — 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : PNBK
The strongest argument for PNBK centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 144.0% demonstrates continued momentum.
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 : PNBK
The primary concerns for PNBK are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a growth stock while PNBK is a hypergrowth play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.14 — expect wider price swings.
PNBK is growing revenue faster at 144.0% — 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 31/100), backed by strong 32.6% margins and 17.5% 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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