BancFirst Corporation (BANF)vsItau Unibanco Banco Holding SA (ITUB)
BANF
BancFirst Corporation
$110.90
+0.05%
FINANCIAL SERVICES · Cap: $3.72B
ITUB
Itau Unibanco Banco Holding SA
$8.33
+0.36%
FINANCIAL SERVICES · Cap: $91.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 20049% more annual revenue ($143.71B vs $713.24M). BANF leads profitability with a 35.3% profit margin vs 32.6%. ITUB appears more attractively valued with a PEG of 1.26. ITUB earns a higher WallStSmart Score of 77/100 (B+).
BANF
Buy63
out of 100
Grade: C+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.5%
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BANF
The strongest argument for BANF centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 35.3% and operating margin at 50.5%.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : BANF
The primary concerns for BANF are PEG Ratio, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
BANF profiles as a mature stock while ITUB is a growth play — different risk/reward profiles.
BANF carries more volatility with a beta of 0.61 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 63/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
BancFirst Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
BancFirst Corporation is BancFirst's banking holding company providing a range of commercial banking services to retail and small and medium-sized business clients. The company is headquartered in Oklahoma City, Oklahoma.
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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