Bank of Marin Bancorp (BMRC)vsItau Unibanco Banco Holding SA (ITUB)
BMRC
Bank of Marin Bancorp
$26.00
+0.85%
FINANCIAL SERVICES · Cap: $406.12M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 391151% more annual revenue ($138.19B vs $35.32M). ITUB leads profitability with a 33.3% profit margin vs -90.7%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
BMRC
Buy54
out of 100
Grade: C-
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.1%
Earnings expanding 76.7% YoY
Conservative balance sheet, low leverage
Revenue surging 25.3% year-over-year
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
Expensive relative to growth rate
Distress zone — elevated risk
Currently unprofitable
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BMRC
The strongest argument for BMRC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 25.3% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : BMRC
The primary concerns for BMRC are Market Cap, PEG Ratio, 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
BMRC profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
BMRC carries more volatility with a beta of 0.81 — expect wider price swings.
BMRC is growing revenue faster at 25.3% — sustainability is the question.
BMRC generates stronger free cash flow (844,000), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 54/100), 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 of Marin Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank of Marin Bancorp is the holding company of Bank of Marin providing a range of financial services primarily to professionals, small and medium-sized businesses, individuals, and non-profit organizations in the San Francisco Bay Area, California in the United States. United. State. The company is headquartered in Novato, California.
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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