WallStSmart

Great Southern Bancorp Inc (GSBC)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 63257% more annual revenue ($143.71B vs $226.83M). ITUB leads profitability with a 32.6% profit margin vs 29.7%. ITUB appears more attractively valued with a PEG of 1.26. ITUB earns a higher WallStSmart Score of 77/100 (B+).

GSBC

Buy

58

out of 100

Grade: C

Growth: 3.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 6/9Altman Z: -0.55

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

GSBC4 strengths · Avg: 9.3/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.7%10/10

Strong operational efficiency at 34.7%

Profit MarginProfitability
29.7%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

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
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

GSBC4 concerns · Avg: 2.8/10
PEG RatioValuation
1.884/10

Expensive relative to growth rate

Market CapQuality
$858.51M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-4.1%2/10

Revenue declined 4.1%

EPS GrowthGrowth
-16.9%2/10

Earnings declined 16.9%

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 : GSBC

The strongest argument for GSBC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.7% and operating margin at 34.7%.

Bull Case : ITUB

The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : GSBC

The primary concerns for GSBC are PEG Ratio, Market Cap, Revenue Growth.

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

GSBC profiles as a declining stock while ITUB is a growth play — different risk/reward profiles.

GSBC carries more volatility with a beta of 0.51 — expect wider price swings.

ITUB is growing revenue faster at 17.5% — sustainability is the question.

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

Bottom Line

ITUB scores higher overall (77/100 vs 58/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "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.

Great Southern Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Great Southern Bancorp, Inc. is a banking holding company for Great Southern Bank offering a range of financial services in the United States. The company is headquartered in Springfield, Missouri.

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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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