WallStSmart

Coastal Financial Corp (CCB)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 37934% more annual revenue ($138.19B vs $363.32M). ITUB leads profitability with a 33.3% profit margin vs 13.6%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).

CCB

Buy

57

out of 100

Grade: C

Growth: 8.7Profit: 6.0Value: 5.3Quality: 7.3
Piotroski: 3/9

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

CCB4 strengths · Avg: 8.3/10
Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
17.0%8/10

17.0% revenue growth

EPS GrowthGrowth
23.8%8/10

Earnings expanding 23.8% YoY

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
$89.27B9/10

Large-cap with strong market position

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

CCB2 concerns · Avg: 3.0/10
Market CapQuality
$1.08B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : CCB

The strongest argument for CCB centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 17.0% 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 1.39 suggests the stock is reasonably priced for its growth.

Bear Case : CCB

The primary concerns for CCB are Market Cap, Piotroski F-Score.

Bear Case : ITUB

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

Key Dynamics to Monitor

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

CCB carries more volatility with a beta of 0.76 — expect wider price swings.

CCB is growing revenue faster at 17.0% — sustainability is the question.

CCB generates stronger free cash flow (74M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 57/100), 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.

Coastal Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.

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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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