WallStSmart

Community Bank System Inc (CBU)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 16861% more annual revenue ($138.19B vs $814.75M). ITUB leads profitability with a 33.3% profit margin vs 26.8%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).

CBU

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 5.0Quality: 4.8
Piotroski: 2/9

ITUB

Strong Buy

74

out of 100

Grade: B

Growth: 5.3Profit: 8.0Value: 7.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CBU4 strengths · Avg: 8.8/10
Operating MarginProfitability
38.0%10/10

Strong operational efficiency at 38.0%

Profit MarginProfitability
26.8%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
9.7x10/10

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
$90.15B9/10

Large-cap with strong market position

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Areas to Watch

CBU2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
2.632/10

Expensive relative to growth rate

ITUB2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Free Cash FlowQuality
$-5.87B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CBU

The strongest argument for CBU centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.8% and operating margin at 38.0%.

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 1.35 suggests the stock is reasonably priced for its growth.

Bear Case : CBU

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

Bear Case : ITUB

The primary concerns for ITUB are Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

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

CBU carries more volatility with a beta of 0.80 — expect wider price swings.

CBU is growing revenue faster at 9.5% — sustainability is the question.

CBU generates stronger free cash flow (72M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 67/100), backed by strong 33.3% margins. 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.

Community Bank System Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Community Bank System, Inc. is the banking holding company for Community Bank, NA providing various banking and other financial services to retail, commercial and municipal clients. The company is headquartered in Onondaga, New York.

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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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