First Financial Bankshares Inc (FFIN)vsItau Unibanco Banco Holding SA (ITUB)
FFIN
First Financial Bankshares Inc
$29.39
-0.54%
FINANCIAL SERVICES · Cap: $4.23B
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 22943% more annual revenue ($138.95B vs $602.99M). FFIN leads profitability with a 42.0% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FFIN
Buy65
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+47.8%
Fair Value
$64.43
Current Price
$29.39
$35.04 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
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 57.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
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
Distress zone — elevated risk
2.8% earnings growth
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 42.0% and operating margin at 57.3%. Revenue growth of 14.5% 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 : FFIN
The primary concerns for FFIN are PEG Ratio, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FFIN carries more volatility with a beta of 0.84 — expect wider price swings.
FFIN is growing revenue faster at 14.5% — 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 65/100), backed by strong 32.3% margins and 11.0% revenue growth. FFIN offers better value entry with a 47.8% margin of safety. 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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