WallStSmart

First Busey Corp (BUSE)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 17601% more annual revenue ($138.19B vs $780.66M). ITUB leads profitability with a 33.3% profit margin vs 27.6%. ITUB appears more attractively valued with a PEG of 1.32. BUSE earns a higher WallStSmart Score of 76/100 (B+).

BUSE

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 3/9Altman Z: -0.02

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

BUSE6 strengths · Avg: 9.7/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.4%10/10

Strong operational efficiency at 36.4%

Revenue GrowthGrowth
143.4%10/10

Revenue surging 143.4% year-over-year

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

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

BUSE3 concerns · Avg: 3.0/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.022/10

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 : BUSE

The strongest argument for BUSE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 36.4%. Revenue growth of 143.4% 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 : BUSE

The primary concerns for BUSE are PEG Ratio, Piotroski F-Score, 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

BUSE profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.

BUSE carries more volatility with a beta of 0.72 — expect wider price swings.

BUSE is growing revenue faster at 143.4% — sustainability is the question.

BUSE generates stronger free cash flow (49M), providing more financial flexibility.

Bottom Line

BUSE scores higher overall (76/100 vs 74/100), backed by strong 27.6% margins and 143.4% revenue growth. 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.

First Busey Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Busey Corporation is the banking holding company for Busey Bank offering retail and commercial banking products and services to individual, corporate, institutional and government clients in the United States. The company is headquartered in Champaign, Illinois.

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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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