Ameris Bancorp (ABCB)vsItau Unibanco Banco Holding SA (ITUB)
ABCB
Ameris Bancorp
$77.37
+1.06%
FINANCIAL SERVICES · Cap: $5.23B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 12103% more annual revenue ($138.95B vs $1.14B). ABCB leads profitability with a 36.2% profit margin vs 32.3%. ABCB appears more attractively valued with a PEG of 1.10. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ABCB
Strong Buy69
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+59.2%
Fair Value
$205.07
Current Price
$77.37
$127.70 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 54.8%
Attractively priced relative to earnings
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
Areas to Watch
3.0% revenue growth
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : ABCB
The strongest argument for ABCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.2% and operating margin at 54.8%. PEG of 1.10 suggests the stock is reasonably priced for its growth.
Bull 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.
Bear Case : ABCB
The primary concerns for ABCB are Revenue Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
ABCB profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
ABCB carries more volatility with a beta of 0.96 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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. ABCB offers better value entry with a 59.2% 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.
Ameris Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ameris Bancorp is the banking holding company for Ameris Bank providing a range of banking services to retail and business clients primarily in Georgia, Alabama, Florida and South Carolina. The company is headquartered in Atlanta, Georgia.
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.
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