Franklin Financial Services Corp (FRAF)vsItau Unibanco Banco Holding SA (ITUB)
FRAF
Franklin Financial Services Corp
$50.14
+0.06%
FINANCIAL SERVICES · Cap: $217.20M
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 161611% more annual revenue ($138.95B vs $85.92M). ITUB leads profitability with a 32.3% profit margin vs 24.7%. FRAF appears more attractively valued with a PEG of 1.03. FRAF earns a higher WallStSmart Score of 77/100 (B+).
FRAF
Strong Buy77
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.1%
Fair Value
$221.83
Current Price
$50.14
$171.69 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 34.8%
Revenue surging 54.7% year-over-year
Keeps 25 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
Smaller company, higher risk/reward
Weak financial health signals
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FRAF
The strongest argument for FRAF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.7% and operating margin at 34.8%. Revenue growth of 54.7% 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 : FRAF
The primary concerns for FRAF are Market Cap, Piotroski F-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FRAF profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — expect wider price swings.
FRAF is growing revenue faster at 54.7% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
FRAF scores higher overall (77/100 vs 76/100), backed by strong 24.7% margins and 54.7% 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.
Franklin Financial Services Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Franklin Financial Services Corporation is the banking holding company for the Farmers and Merchants Trust Company of Chambersburg providing commercial, retail and trust banking services to small and medium-sized businesses, individuals, government entities, and non-profit organizations in Pennsylvania. The company is headquartered in Chambersburg, Pennsylvania.
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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