AmeriServ Financial Inc (ASRV)vsItau Unibanco Banco Holding SA (ITUB)
ASRV
AmeriServ Financial Inc
$3.56
-2.73%
FINANCIAL SERVICES · Cap: $51.05M
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 259672% more annual revenue ($138.95B vs $53.49M). ITUB leads profitability with a 32.3% profit margin vs 9.5%. ASRV appears more attractively valued with a PEG of 0.95. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ASRV
Strong Buy68
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$14.04
Current Price
$3.56
$10.48 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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 114.3% YoY
Growing faster than its price suggests
Strong operational efficiency at 22.2%
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
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
Negative free cash flow — burning cash
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : ASRV
The strongest argument for ASRV centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 14.5% demonstrates continued momentum. PEG of 0.95 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 : ASRV
The primary concerns for ASRV are Market Cap, Return on Equity, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
ASRV profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
ASRV carries more volatility with a beta of 0.44 — expect wider price swings.
ASRV is growing revenue faster at 14.5% — 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 68/100), backed by strong 32.3% margins and 11.0% revenue growth. ASRV offers better value entry with a 74.7% 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.
AmeriServ Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
AmeriServ Financial, Inc. is the banking holding company for AmeriServ Financial Bank offering a variety of consumer, mortgage and commercial financial products. The company is headquartered in Johnstown, Pennsylvania.
Visit Website →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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