Bank First National Corp (BFC)vsItau Unibanco Banco Holding SA (ITUB)
BFC
Bank First National Corp
$150.04
-0.28%
FINANCIAL SERVICES · Cap: $1.66B
ITUB
Itau Unibanco Banco Holding SA
$7.38
-2.38%
FINANCIAL SERVICES · Cap: $78.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 60219% more annual revenue ($143.71B vs $238.25M). BFC leads profitability with a 36.5% profit margin vs 32.6%. BFC appears more attractively valued with a PEG of 0.10. ITUB earns a higher WallStSmart Score of 79/100 (B+).
BFC
Strong Buy72
out of 100
Grade: B
ITUB
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Revenue surging 48.3% 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 39.1%
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
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
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 36.5% and operating margin at 49.4%. Revenue growth of 48.3% 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : BFC
The primary concerns for BFC are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
BFC carries more volatility with a beta of 0.43 — expect wider price swings.
BFC is growing revenue faster at 48.3% — sustainability is the question.
BFC generates stronger free cash flow (-22M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (79/100 vs 72/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
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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