Bank First National Corp (BFC)vsItau Unibanco Banco Holding SA (ITUB)
BFC
Bank First National Corp
$140.34
+0.31%
FINANCIAL SERVICES · Cap: $1.63B
ITUB
Itau Unibanco Banco Holding SA
$7.88
-0.76%
FINANCIAL SERVICES · Cap: $87.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 71270% more annual revenue ($138.19B vs $193.62M). BFC leads profitability with a 37.8% profit margin vs 33.3%. BFC appears more attractively valued with a PEG of 0.10. ITUB earns a higher WallStSmart Score of 74/100 (B).
BFC
Buy64
out of 100
Grade: C+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 42.9%
Revenue surging 49.1% year-over-year
Conservative balance sheet, low leverage
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
Smaller company, higher risk/reward
Earnings declined 2.2%
Negative free cash flow — burning cash
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 : BFC
The strongest argument for BFC centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.8% and operating margin at 42.9%. Revenue growth of 49.1% 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 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : BFC
The primary concerns for BFC are Market Cap, EPS Growth, Free Cash Flow.
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
BFC profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
BFC carries more volatility with a beta of 0.42 — expect wider price swings.
BFC is growing revenue faster at 49.1% — sustainability is the question.
BFC generates stronger free cash flow (-17M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 64/100), 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.
Bank First National Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank First Corporation is a Bank First NA holding company providing business and consumer financial services to businesses, professionals and consumers in Wisconsin. The company is headquartered in Manitowoc, Wisconsin.
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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