Amalgamated Bank (AMAL)vsItau Unibanco Banco Holding SA (ITUB)
AMAL
Amalgamated Bank
$42.42
+0.12%
FINANCIAL SERVICES · Cap: $1.26B
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 43634% more annual revenue ($138.19B vs $315.97M). ITUB leads profitability with a 33.3% profit margin vs 33.1%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
AMAL
Buy56
out of 100
Grade: C
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 44.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
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
4.7% revenue growth
3.7% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AMAL
The strongest argument for AMAL centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 33.1% and operating margin at 44.0%.
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 : AMAL
The primary concerns for AMAL are Revenue Growth, EPS Growth, Market Cap.
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
AMAL profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
AMAL carries more volatility with a beta of 0.81 — expect wider price swings.
AMAL is growing revenue faster at 4.7% — sustainability is the question.
AMAL generates stronger free cash flow (51M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 56/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "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.
Amalgamated Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Amalgamated Finance Corporation The company is headquartered in New York, New York.
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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