Eastern Bankshares Inc (EBC)vsItau Unibanco Banco Holding SA (ITUB)
EBC
Eastern Bankshares Inc
$19.85
-1.19%
FINANCIAL SERVICES · Cap: $4.46B
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 13281% more annual revenue ($138.19B vs $1.03B). EBC leads profitability with a 35.9% profit margin vs 33.3%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
EBC
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy74
out of 100
Grade: B
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 45.9%
Revenue surging 32.8% year-over-year
Earnings expanding 54.1% YoY
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
Weak financial health signals
Negative free cash flow — burning cash
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 : EBC
The strongest argument for EBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.9% and operating margin at 45.9%. Revenue growth of 32.8% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : EBC
The primary concerns for EBC are Piotroski F-Score, Free Cash Flow, 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
EBC profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
EBC carries more volatility with a beta of 0.70 — expect wider price swings.
EBC is growing revenue faster at 32.8% — sustainability is the question.
EBC generates stronger free cash flow (-13M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 71/100), 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.
Eastern Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Eastern Bankshares, Inc. is the banking holding company for Eastern Bank offering commercial banking products and services primarily to retail, commercial and small business clients. The company is headquartered in Boston, Massachusetts.
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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