First Savings Financial Group Inc (FSFG)vsItau Unibanco Banco Holding SA (ITUB)
FSFG
First Savings Financial Group Inc
$33.98
0.00%
FINANCIAL SERVICES · Cap: $238.37M
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 164875% more annual revenue ($138.95B vs $84.22M). ITUB leads profitability with a 32.3% profit margin vs 27.5%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FSFG
Strong Buy67
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
$155.38
Current Price
$33.98
$121.40 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 34.1%
Keeps 28 of every $100 in revenue as profit
Revenue surging 26.3% year-over-year
Earnings expanding 41.8% 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
Elevated debt levels
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FSFG
The strongest argument for FSFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.5% and operating margin at 34.1%. Revenue growth of 26.3% 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 : FSFG
The primary concerns for FSFG are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.40 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FSFG profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FSFG carries more volatility with a beta of 0.44 — expect wider price swings.
FSFG is growing revenue faster at 26.3% — 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 67/100), backed by strong 32.3% margins and 11.0% revenue growth. FSFG offers better value entry with a 78.1% 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.
First Savings Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, Indiana.
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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