First Financial Bankshares Inc (FFIN)vsItau Unibanco Banco Holding SA (ITUB)
FFIN
First Financial Bankshares Inc
$33.09
+0.40%
FINANCIAL SERVICES · Cap: $4.82B
ITUB
Itau Unibanco Banco Holding SA
$7.93
+2.72%
FINANCIAL SERVICES · Cap: $87.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 22113% more annual revenue ($138.19B vs $622.10M). FFIN leads profitability with a 42.4% profit margin vs 33.3%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).
FFIN
Buy65
out of 100
Grade: C+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 57.1%
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
Expensive relative to growth rate
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 : FFIN
The strongest argument for FFIN centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 42.4% and operating margin at 57.1%. Revenue growth of 13.1% 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 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : FFIN
The primary concerns for FFIN 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
FFIN profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
FFIN carries more volatility with a beta of 0.84 — expect wider price swings.
FFIN is growing revenue faster at 13.1% — sustainability is the question.
FFIN generates stronger free cash flow (98M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 65/100), 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.
First Financial Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bankshares, Inc., offers commercial banking products and services in Texas. The company is headquartered in Abilene, Texas.
Visit Website →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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