Business First Bancshares Inc (BFST)vsItau Unibanco Banco Holding SA (ITUB)
BFST
Business First Bancshares Inc
$26.78
-0.96%
FINANCIAL SERVICES · Cap: $846.89M
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 44327% more annual revenue ($138.95B vs $312.76M). ITUB leads profitability with a 32.3% profit margin vs 28.1%. BFST trades at a lower P/E of 9.3x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BFST
Strong Buy67
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.6%
Fair Value
$130.57
Current Price
$26.78
$103.79 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.2%
Keeps 28 of every $100 in revenue as profit
Earnings expanding 37.6% YoY
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
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BFST
The strongest argument for BFST centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 36.2%. Revenue growth of 12.9% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : BFST
The primary concerns for BFST are Market Cap, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BFST carries more volatility with a beta of 0.84 — expect wider price swings.
BFST is growing revenue faster at 12.9% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 67/100), backed by strong 32.3% margins and 11.0% revenue growth. BFST offers better value entry with a 77.6% margin of safety. 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.
Business First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Business First Bancshares, Inc. is the banking holding company for b1BANK offering various banking products and services. The company is headquartered in Baton Rouge, Louisiana.
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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