First Seacoast Bancorp (FSEA)vsItau Unibanco Banco Holding SA (ITUB)
FSEA
First Seacoast Bancorp
$12.79
+0.39%
FINANCIAL SERVICES · Cap: $60.69M
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 941722% more annual revenue ($138.95B vs $14.75M). ITUB leads profitability with a 32.3% profit margin vs -14.7%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FSEA
Hold39
out of 100
Grade: F
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FSEA.
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
Reasonable price relative to book value
19.8% revenue growth
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
ROE of -3.4% — below average capital efficiency
Negative free cash flow — burning cash
Currently unprofitable
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FSEA
The strongest argument for FSEA centers on Price/Book, Revenue Growth. Revenue growth of 19.8% 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 : FSEA
The primary concerns for FSEA are Market Cap, Return on Equity, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FSEA 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.
FSEA is growing revenue faster at 19.8% — 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 39/100), 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 Seacoast Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Seacoast Bancorp is a holding company of First Seacoast Bank offering a variety of banking products and services to individuals and businesses.
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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