First Horizon Corporation (FHN)vsItau Unibanco Banco Holding SA (ITUB)
FHN
First Horizon Corporation
$22.73
+0.18%
FINANCIAL SERVICES · Cap: $10.98B
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 4043% more annual revenue ($138.95B vs $3.35B). ITUB leads profitability with a 32.3% profit margin vs 29.3%. ITUB appears more attractively valued with a PEG of 1.30. FHN earns a higher WallStSmart Score of 81/100 (A-).
FHN
Exceptional Buy81
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.5%
Fair Value
$87.52
Current Price
$22.73
$64.79 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
Reasonable price relative to book value
Strong operational efficiency at 43.2%
Earnings expanding 72.3% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 23.7% year-over-year
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 : FHN
The strongest argument for FHN centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 29.3% and operating margin at 43.2%. Revenue growth of 23.7% 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 : FHN
The primary concerns for FHN are PEG Ratio, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FHN profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FHN carries more volatility with a beta of 0.62 — expect wider price swings.
FHN is growing revenue faster at 23.7% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
FHN scores higher overall (81/100 vs 76/100), backed by strong 29.3% margins and 23.7% revenue growth. Both earn "Exceptional 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.
First Horizon Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Horizon Corporation is the banking holding company for First Horizon Bank providing various financial services. The company is headquartered in Memphis, Tennessee.
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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