WallStSmart

Eagle Bancorp Inc (EGBN)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 646475% more annual revenue ($138.19B vs $21.37M). ITUB leads profitability with a 33.3% profit margin vs 0.0%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).

EGBN

Buy

64

out of 100

Grade: C+

Growth: 9.3Profit: 4.5Value: 4.7Quality: 6.5
Piotroski: 2/9Altman Z: 0.35

ITUB

Strong Buy

74

out of 100

Grade: B

Growth: 5.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EGBN5 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.6%10/10

Strong operational efficiency at 35.6%

Revenue GrowthGrowth
35.3%10/10

Revenue surging 35.3% year-over-year

EPS GrowthGrowth
768.0%10/10

Earnings expanding 768.0% YoY

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

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
$86.63B9/10

Large-cap with strong market position

Return on EquityProfitability
21.2%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

EGBN4 concerns · Avg: 3.3/10
PEG RatioValuation
1.714/10

Expensive relative to growth rate

Market CapQuality
$831.62M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

ITUB4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Free Cash FlowQuality
$-5.87B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
4.991/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : EGBN

The strongest argument for EGBN centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 35.3% 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 : EGBN

The primary concerns for EGBN are PEG Ratio, Market Cap, Profit Margin.

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

EGBN profiles as a hypergrowth stock while ITUB is a declining play — different risk/reward profiles.

EGBN carries more volatility with a beta of 0.97 — expect wider price swings.

EGBN is growing revenue faster at 35.3% — sustainability is the question.

EGBN generates stronger free cash flow (14M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 64/100), 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.

Eagle Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Eagle Bancorp, Inc. is EagleBank's banking holding company providing consumer and commercial banking services primarily in the United States. The company is headquartered in Bethesda, Maryland.

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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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