WallStSmart

East West Bancorp Inc (EWBC)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 4861% more annual revenue ($138.19B vs $2.79B). EWBC leads profitability with a 50.0% profit margin vs 33.3%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).

EWBC

Strong Buy

70

out of 100

Grade: B-

Growth: 8.0Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 7/9Altman Z: 0.32

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

EWBC5 strengths · Avg: 8.8/10
Profit MarginProfitability
50.0%10/10

Keeps 50 of every $100 in revenue as profit

Operating MarginProfitability
65.1%10/10

Strong operational efficiency at 65.1%

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
23.6%8/10

Earnings expanding 23.6% YoY

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

EWBC2 concerns · Avg: 2.0/10
PEG RatioValuation
5.582/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.322/10

Distress zone — elevated risk

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 : EWBC

The strongest argument for EWBC centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 50.0% and operating margin at 65.1%. Revenue growth of 14.1% 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 1.32 suggests the stock is reasonably priced for its growth.

Bear Case : EWBC

The primary concerns for EWBC are PEG Ratio, 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

EWBC profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.

EWBC carries more volatility with a beta of 0.94 — expect wider price swings.

EWBC is growing revenue faster at 14.1% — sustainability is the question.

EWBC generates stronger free cash flow (330M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 70/100), 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.

East West Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

East West Bancorp, Inc. is the banking holding company for East West Bank providing a range of personal and commercial banking services to businesses and individuals in the United States and Greater China. The company is headquartered in Pasadena, California.

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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