WallStSmart

Equity Bancshares, Inc. (EQBK)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 56849% more annual revenue ($138.19B vs $242.65M). ITUB leads profitability with a 33.3% profit margin vs 14.8%. ITUB appears more attractively valued with a PEG of 1.46. ITUB earns a higher WallStSmart Score of 73/100 (B).

EQBK

Strong Buy

68

out of 100

Grade: B-

Growth: 9.3Profit: 6.0Value: 4.3Quality: 3.5
Piotroski: 2/9Altman Z: 0.30

ITUB

Strong Buy

73

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

EQBK4 strengths · Avg: 9.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.3%10/10

Strong operational efficiency at 46.3%

Revenue GrowthGrowth
38.1%10/10

Revenue surging 38.1% year-over-year

EPS GrowthGrowth
47.7%8/10

Earnings expanding 47.7% YoY

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
10.6x10/10

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
$93.47B9/10

Large-cap with strong market position

Return on EquityProfitability
21.2%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

EQBK4 concerns · Avg: 3.5/10
PEG RatioValuation
1.694/10

Expensive relative to growth rate

P/E RatioValuation
32.0x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.03B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.3%3/10

ROE of 4.3% — below average capital efficiency

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 : EQBK

The strongest argument for EQBK centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 38.1% 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 1.46 suggests the stock is reasonably priced for its growth.

Bear Case : EQBK

The primary concerns for EQBK are PEG Ratio, P/E Ratio, Market Cap.

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

EQBK profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.

EQBK carries more volatility with a beta of 0.78 — expect wider price swings.

EQBK is growing revenue faster at 38.1% — sustainability is the question.

EQBK generates stronger free cash flow (12M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (73/100 vs 68/100), 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.

Equity Bancshares, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Equity Bancshares, Inc. is Equity Bank's banking holding company providing a range of banking, mortgage banking and financial services to individual and corporate clients. The company is headquartered in Wichita, Kansas.

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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