Hbt Financial Inc (HBT)vsItau Unibanco Banco Holding SA (ITUB)
HBT
Hbt Financial Inc
$32.57
+0.81%
FINANCIAL SERVICES · Cap: $1.16B
ITUB
Itau Unibanco Banco Holding SA
$8.31
+2.09%
FINANCIAL SERVICES · Cap: $90.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 56540% more annual revenue ($138.19B vs $243.97M). ITUB leads profitability with a 33.3% profit margin vs 28.3%. ITUB trades at a lower P/E of 10.4x. ITUB earns a higher WallStSmart Score of 74/100 (B).
HBT
Buy53
out of 100
Grade: C-
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 44.2%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
17.5% revenue growth
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 43.7%
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HBT
The strongest argument for HBT centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.3% and operating margin at 44.2%. Revenue growth of 17.5% 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 33.3% and operating margin at 33.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : HBT
The primary concerns for HBT are Market Cap, EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
HBT profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
HBT carries more volatility with a beta of 0.53 — expect wider price swings.
HBT is growing revenue faster at 17.5% — sustainability is the question.
HBT generates stronger free cash flow (26M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 53/100), backed by strong 33.3% margins. 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.
Hbt Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.
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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