Financial Institutions Inc (FISI)vsItau Unibanco Banco Holding SA (ITUB)
FISI
Financial Institutions Inc
$36.46
+2.04%
FINANCIAL SERVICES · Cap: $730.56M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 57614% more annual revenue ($138.19B vs $239.43M). ITUB leads profitability with a 33.3% profit margin vs 33.0%. ITUB appears more attractively valued with a PEG of 1.32. FISI earns a higher WallStSmart Score of 76/100 (B+).
FISI
Strong Buy76
out of 100
Grade: B+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 42.9%
Earnings expanding 28.4% YoY
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
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FISI
The strongest argument for FISI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.0% and operating margin at 42.9%. Revenue growth of 11.3% 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 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : FISI
The primary concerns for FISI are Market Cap.
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
FISI profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
FISI carries more volatility with a beta of 0.67 — expect wider price swings.
FISI is growing revenue faster at 11.3% — sustainability is the question.
FISI generates stronger free cash flow (23M), providing more financial flexibility.
Bottom Line
FISI scores higher overall (76/100 vs 74/100), backed by strong 33.0% margins and 11.3% revenue growth. Both earn "Strong 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.
Financial Institutions Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York.
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?