Community Trust Bancorp Inc (CTBI)vsItau Unibanco Banco Holding SA (ITUB)
CTBI
Community Trust Bancorp Inc
$60.15
-0.18%
FINANCIAL SERVICES · Cap: $1.06B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 51332% more annual revenue ($138.95B vs $270.16M). CTBI leads profitability with a 36.3% profit margin vs 32.3%. CTBI appears more attractively valued with a PEG of 1.03. ITUB earns a higher WallStSmart Score of 76/100 (B+).
CTBI
Strong Buy74
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.8%
Fair Value
$217.63
Current Price
$60.15
$157.48 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 20.8% YoY
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
Smaller company, higher risk/reward
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : CTBI
The strongest argument for CTBI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.3% and operating margin at 50.4%. Revenue growth of 13.8% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : CTBI
The primary concerns for CTBI are Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
CTBI carries more volatility with a beta of 0.57 — expect wider price swings.
CTBI is growing revenue faster at 13.8% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 74/100), backed by strong 32.3% margins and 11.0% revenue growth. CTBI offers better value entry with a 70.8% margin of safety. 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 Trust Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Community Trust Bancorp, Inc. is the banking holding company for Community Trust Bank, Inc. providing commercial and personal banking services to small and medium-sized communities. The company is headquartered in Pikeville, Kentucky.
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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