Finwise Bancorp (FINW)vsItau Unibanco Banco Holding SA (ITUB)
FINW
Finwise Bancorp
$15.71
-2.54%
FINANCIAL SERVICES · Cap: $208.80M
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 150777% more annual revenue ($138.95B vs $92.09M). ITUB leads profitability with a 32.3% profit margin vs 17.5%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FINW
Buy60
out of 100
Grade: C
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.9%
Fair Value
$52.88
Current Price
$15.71
$37.17 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
Revenue surging 69.0% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 41.3% YoY
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
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FINW
The strongest argument for FINW centers on Price/Book, Revenue Growth, Debt/Equity. Profitability is solid with margins at 17.5% and operating margin at 18.8%. Revenue growth of 69.0% 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 : FINW
The primary concerns for FINW are Market Cap, Piotroski F-Score, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FINW profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FINW carries more volatility with a beta of 0.83 — expect wider price swings.
FINW is growing revenue faster at 69.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 60/100), backed by strong 32.3% margins and 11.0% revenue growth. FINW offers better value entry with a 66.9% 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.
Finwise Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FinWise Bancorp is FinWise Bank's banking holding company that offers various banking services to individual and corporate clients. The company is headquartered in Murray, Utah.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?