FS Bancorp Inc (FSBW)vsItau Unibanco Banco Holding SA (ITUB)
FSBW
FS Bancorp Inc
$39.15
-0.13%
FINANCIAL SERVICES · Cap: $278.48M
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 96973% more annual revenue ($138.95B vs $143.14M). ITUB leads profitability with a 32.3% profit margin vs 23.3%. FSBW trades at a lower P/E of 8.6x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FSBW
Strong Buy68
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.5%
Fair Value
$169.88
Current Price
$39.15
$130.73 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 32.3%
Keeps 23 of every $100 in revenue as profit
Earnings expanding 20.5% 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
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FSBW
The strongest argument for FSBW centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 23.3% and operating margin at 32.3%.
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 : FSBW
The primary concerns for FSBW are Market Cap, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FSBW carries more volatility with a beta of 0.68 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 68/100), backed by strong 32.3% margins and 11.0% revenue growth. FSBW offers better value entry with a 75.5% margin of safety. 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.
FS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FS Bancorp, Inc. is a bank holding company for 1st Security Bank of Washington providing banking and financial services to local families, local and regional businesses, and industry niches. The company is headquartered in Mountlake Terrace, Washington.
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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