WallStSmart

Bank of the James Financial Group (BOTJ)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 280591% more annual revenue ($143.71B vs $51.20M). ITUB leads profitability with a 32.6% profit margin vs 22.4%. ITUB trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).

BOTJ

Buy

57

out of 100

Grade: C

Growth: 6.7Profit: 7.0Value: 6.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.31

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BOTJ5 strengths · Avg: 9.2/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Operating MarginProfitability
32.3%10/10

Strong operational efficiency at 32.3%

Profit MarginProfitability
22.4%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

BOTJ3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Market CapQuality
$124.81M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BOTJ

The strongest argument for BOTJ centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 22.4% and operating margin at 32.3%.

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 : BOTJ

The primary concerns for BOTJ are Revenue Growth, Market Cap, Altman Z-Score.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

BOTJ profiles as a value stock while ITUB is a growth play — different risk/reward profiles.

BOTJ carries more volatility with a beta of 0.18 — expect wider price swings.

ITUB is growing revenue faster at 17.5% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (77/100 vs 57/100), backed by strong 32.6% margins and 17.5% 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.

Bank of the James Financial Group

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank of the James Financial Group, Inc. is the Bank of the James business providing general commercial and retail banking services to individuals, businesses, associations and organizations, and government authorities in Virginia, United States. The company is headquartered in Lynchburg, Virginia.

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.

Want to dig deeper into these stocks?