Eagle Bancorp Montana Inc (EBMT)vsItau Unibanco Banco Holding SA (ITUB)
EBMT
Eagle Bancorp Montana Inc
$20.20
-3.26%
FINANCIAL SERVICES · Cap: $161.86M
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 153623% more annual revenue ($138.95B vs $90.39M). ITUB leads profitability with a 32.3% profit margin vs 16.4%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
EBMT
Strong Buy72
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.3%
Fair Value
$88.92
Current Price
$20.20
$68.72 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
Strong operational efficiency at 27.2%
Earnings expanding 40.9% 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
Expensive relative to growth rate
Smaller company, higher risk/reward
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : EBMT
The strongest argument for EBMT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 27.2%. Revenue growth of 13.4% 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 : EBMT
The primary concerns for EBMT are PEG Ratio, Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
EBMT carries more volatility with a beta of 0.27 — expect wider price swings.
EBMT is growing revenue faster at 13.4% — 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 72/100), backed by strong 32.3% margins and 11.0% revenue growth. EBMT offers better value entry with a 74.3% 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.
Eagle Bancorp Montana Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Eagle Bancorp Montana, Inc. is the banking holding company for Opportunity Bank of Montana offering a variety of retail banking products and services to small businesses and individuals in Montana. The company is headquartered in Helena, Montana.
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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