Ameris Bancorp (ABCB)vsItau Unibanco Banco Holding SA (ITUB)
ABCB
Ameris Bancorp
$85.47
+0.40%
FINANCIAL SERVICES · Cap: $5.99B
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 11686% more annual revenue ($138.19B vs $1.17B). ABCB leads profitability with a 37.1% profit margin vs 33.3%. ABCB appears more attractively valued with a PEG of 1.10. ABCB earns a higher WallStSmart Score of 75/100 (B).
ABCB
Strong Buy75
out of 100
Grade: B
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 28.3% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
No major concerns identified
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
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 37.1% and operating margin at 49.4%. Revenue growth of 12.8% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : ABCB
No major red flags identified for ABCB, but monitor valuation.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
ABCB profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
ABCB carries more volatility with a beta of 0.93 — expect wider price swings.
ABCB is growing revenue faster at 12.8% — sustainability is the question.
ABCB generates stronger free cash flow (249M), providing more financial flexibility.
Bottom Line
ABCB scores higher overall (75/100 vs 74/100), backed by strong 37.1% margins and 12.8% revenue growth. 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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?