First Merchants Corporation Depository Shares (FRMEP)vsItau Unibanco Banco Holding SA (ITUB)
FRMEP
First Merchants Corporation Depository Shares
$25.60
+0.23%
FINANCIAL SERVICES · Cap: $2.42B
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 21553% more annual revenue ($138.95B vs $641.70M). FRMEP leads profitability with a 35.2% profit margin vs 32.3%. FRMEP trades at a lower P/E of 6.7x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FRMEP
Hold41
out of 100
Grade: D
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+1.5%
Fair Value
$25.91
Current Price
$25.60
$0.31 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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
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
Revenue declined 4.6%
Earnings declined 10.9%
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FRMEP
The strongest argument for FRMEP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.2% and operating margin at 42.7%.
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 : FRMEP
The primary concerns for FRMEP are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FRMEP profiles as a declining stock while ITUB is a mature play — different risk/reward profiles.
FRMEP carries more volatility with a beta of 0.91 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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 41/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Hold" 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 Merchants Corporation Depository Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Merchants Corporation Depository Shares (ticker: FRMEP) represents a notable investment avenue in the Midwest's financial services landscape, leveraging its strong position as a leading regional bank. The company is adept in commercial banking, consumer lending, and wealth management, providing a diverse range of products tailored to meet the needs of its clientele. With a focus on strategic growth and operational resilience, First Merchants demonstrates a commitment to community-focused banking while prioritizing shareholder value. Its consistent financial performance across varying economic conditions reinforces its attractiveness to institutional investors.
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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