BankFinancial Corporation (BFIN)vsItau Unibanco Banco Holding SA (ITUB)
BFIN
BankFinancial Corporation
$12.00
0.00%
FINANCIAL SERVICES · Cap: $149.53M
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 298743% more annual revenue ($138.95B vs $46.49M). ITUB leads profitability with a 32.3% profit margin vs 5.0%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BFIN
Buy51
out of 100
Grade: C-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-74.2%
Fair Value
$6.89
Current Price
$12.00
$5.11 premium
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
Reasonable price relative to book value
Strong operational efficiency at 22.0%
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 1.5% — below average capital efficiency
5.0% margin — thin
Expensive relative to growth rate
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BFIN
The strongest argument for BFIN centers on Price/Book, Operating Margin.
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 : BFIN
The primary concerns for BFIN are Market Cap, Return on Equity, Profit Margin. A P/E of 63.2x leaves little room for execution misses. Thin 5.0% margins leave little buffer for downturns.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BFIN profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
BFIN carries more volatility with a beta of 0.34 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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 51/100), backed by strong 32.3% margins and 11.0% 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.
BankFinancial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
BankFinancial Corporation is the banking holding company of BankFinancial, a National Association that offers various products and services for commercial, family and personal banking. The company is headquartered in Burr Ridge, Illinois.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?