WallStSmart

Primis Financial Corp (FRST)vsItau Unibanco Banco Holding SA (ITUB)

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Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 67149% more annual revenue ($143.71B vs $213.71M). ITUB leads profitability with a 32.6% profit margin vs 24.8%. FRST trades at a lower P/E of 7.3x. ITUB earns a higher WallStSmart Score of 77/100 (B+).

FRST

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 7.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: -0.37

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRST6 strengths · Avg: 9.5/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
44.2%10/10

Revenue surging 44.2% year-over-year

EPS GrowthGrowth
285.2%10/10

Earnings expanding 285.2% YoY

Profit MarginProfitability
24.8%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
25.8%8/10

Strong operational efficiency at 25.8%

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$90.16B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

FRST4 concerns · Avg: 2.5/10
Market CapQuality
$389.10M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.033/10

Elevated debt levels

Free Cash FlowQuality
$-5.91M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.372/10

Distress zone — elevated risk

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FRST

The strongest argument for FRST centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 24.8% and operating margin at 25.8%. Revenue growth of 44.2% 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : FRST

The primary concerns for FRST are Market Cap, Debt/Equity, Free Cash Flow.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

FRST carries more volatility with a beta of 0.72 — expect wider price swings.

FRST is growing revenue faster at 44.2% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FRST scores higher overall (77/100 vs 77/100), backed by strong 24.8% margins and 44.2% 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.

Primis Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Primis Financial Corp. The company is headquartered in McLean, Virginia.

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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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