WallStSmart

Business First Bancshares Inc (BFST)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 42556% more annual revenue ($138.19B vs $323.96M). ITUB leads profitability with a 33.3% profit margin vs 28.1%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).

BFST

Buy

63

out of 100

Grade: C+

Growth: 6.7Profit: 7.5Value: 6.7Quality: 5.0
Piotroski: 6/9Altman Z: -0.63

ITUB

Strong Buy

74

out of 100

Grade: B

Growth: 5.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BFST4 strengths · Avg: 9.8/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.5%10/10

Strong operational efficiency at 36.5%

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
33.1%10/10

Strong operational efficiency at 33.1%

Market CapQuality
$86.63B9/10

Large-cap with strong market position

Return on EquityProfitability
21.2%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

BFST3 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.6%4/10

4.6% earnings growth

Market CapQuality
$919.88M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.632/10

Distress zone — elevated risk

ITUB4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Free Cash FlowQuality
$-5.87B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
4.991/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull 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 36.5%. Revenue growth of 14.8% 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 1.32 suggests the stock is reasonably priced for its growth.

Bear Case : BFST

The primary concerns for BFST are EPS Growth, Market Cap, Altman Z-Score.

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

BFST profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.

BFST carries more volatility with a beta of 0.78 — expect wider price swings.

BFST is growing revenue faster at 14.8% — sustainability is the question.

BFST generates stronger free cash flow (27M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 63/100), 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.

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.

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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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