Banc of California, Inc. (BANC)vsItau Unibanco Banco Holding SA (ITUB)
BANC
Banc of California, Inc.
$19.04
-0.68%
FINANCIAL SERVICES · Cap: $2.97B
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 12822% more annual revenue ($138.19B vs $1.07B). ITUB leads profitability with a 33.3% profit margin vs 23.1%. BANC appears more attractively valued with a PEG of 1.13. BANC earns a higher WallStSmart Score of 78/100 (B+).
BANC
Strong Buy78
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
Strong operational efficiency at 39.3%
Earnings expanding 51.5% YoY
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
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 22 in profit
Reasonable price relative to book value
Areas to Watch
ROE of 7.0% — below average capital efficiency
Revenue declined 2.1%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : BANC
The strongest argument for BANC centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 23.1% and operating margin at 39.3%. PEG of 1.13 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 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : BANC
The primary concerns for BANC are Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
BANC profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
BANC carries more volatility with a beta of 0.98 — expect wider price swings.
BANC is growing revenue faster at 8.0% — sustainability is the question.
BANC generates stronger free cash flow (84M), providing more financial flexibility.
Bottom Line
BANC scores higher overall (78/100 vs 74/100), backed by strong 23.1% margins. 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.
Banc of California, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banc of California, Inc. is the banking holding company for Banc of California, the National Association that provides banking products and services in the United States. The company is headquartered in Santa Ana, California.
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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