City Holding Company (CHCO)vsItau Unibanco Banco Holding SA (ITUB)
CHCO
City Holding Company
$126.78
+0.81%
FINANCIAL SERVICES · Cap: $1.75B
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 43129% more annual revenue ($138.19B vs $319.66M). CHCO leads profitability with a 41.3% profit margin vs 33.3%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
CHCO
Buy65
out of 100
Grade: C+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Attractively priced relative to earnings
Reasonable price relative to book value
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CHCO
The strongest argument for CHCO centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 41.3% and operating margin at 50.9%.
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 : CHCO
The primary concerns for CHCO are PEG Ratio, Market Cap, 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
CHCO profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
CHCO carries more volatility with a beta of 0.49 — expect wider price swings.
CHCO is growing revenue faster at 5.5% — sustainability is the question.
CHCO generates stronger free cash flow (37M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 65/100), 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.
City Holding Company
FINANCIAL SERVICES · BANKS - REGIONAL · USA
City Holding Company is a holding company for City National Bank of West Virginia offering various banking, trust and investment solutions, and other financial solutions in the United States. The company is headquartered in Charleston, West Virginia.
Visit Website →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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