First Interstate BancSystem Inc (FIBK)vsItau Unibanco Banco Holding SA (ITUB)
FIBK
First Interstate BancSystem Inc
$33.63
+1.08%
FINANCIAL SERVICES · Cap: $3.36B
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 13364% more annual revenue ($138.95B vs $1.03B). ITUB leads profitability with a 32.3% profit margin vs 29.3%. ITUB appears more attractively valued with a PEG of 1.30. FIBK earns a higher WallStSmart Score of 82/100 (A-).
FIBK
Exceptional Buy82
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.5%
Fair Value
$138.06
Current Price
$33.63
$104.43 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 47.4%
Revenue surging 34.4% year-over-year
Earnings expanding 115.5% YoY
Keeps 29 of every $100 in revenue as profit
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
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FIBK
The strongest argument for FIBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 47.4%. Revenue growth of 34.4% 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 : FIBK
The primary concerns for FIBK are PEG Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FIBK profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FIBK carries more volatility with a beta of 0.76 — expect wider price swings.
FIBK is growing revenue faster at 34.4% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
FIBK scores higher overall (82/100 vs 76/100), backed by strong 29.3% margins and 34.4% 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 Interstate BancSystem Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Interstate BancSystem, Inc. is the banking holding company for First Interstate Bank offering a range of banking products and services in the United States. The company is headquartered in Billings, Montana.
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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