Itau Unibanco Banco Holding SA (ITUB)vsWestern New England Bancorp Inc (WNEB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
WNEB
Western New England Bancorp Inc
$12.85
-0.46%
FINANCIAL SERVICES · Cap: $264.55M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 168775% more annual revenue ($138.95B vs $82.28M). ITUB leads profitability with a 32.3% profit margin vs 18.6%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
WNEB
Strong Buy69
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
+60.2%
Fair Value
$35.10
Current Price
$12.85
$22.25 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
Reasonable price relative to book value
Strong operational efficiency at 31.2%
Earnings expanding 56.7% YoY
Attractively priced relative to earnings
16.6% revenue growth
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
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 : WNEB
The strongest argument for WNEB centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 18.6% and operating margin at 31.2%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : WNEB
The primary concerns for WNEB are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while WNEB is a growth play — different risk/reward profiles.
WNEB carries more volatility with a beta of 0.78 — expect wider price swings.
WNEB is growing revenue faster at 16.6% — 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 69/100), backed by strong 32.3% margins and 11.0% revenue growth. WNEB offers better value entry with a 60.2% 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.
Western New England Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western New England Bancorp, Inc. is the Westfield Bank holding company offering a range of commercial and retail banking products and services to individuals and businesses. The company is headquartered in Westfield, Massachusetts.
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