Hbt Financial Inc (HBT)vsItau Unibanco Banco Holding SA (ITUB)
HBT
Hbt Financial Inc
$26.74
-0.22%
FINANCIAL SERVICES · Cap: $954.36M
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 59298% more annual revenue ($138.95B vs $233.92M). HBT leads profitability with a 32.9% profit margin vs 32.3%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HBT
Hold49
out of 100
Grade: D+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-70.6%
Fair Value
$16.59
Current Price
$26.74
$10.15 premium
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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
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
1.1% revenue growth
Smaller company, higher risk/reward
Earnings declined 6.3%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : HBT
The strongest argument for HBT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.9% and operating margin at 46.1%.
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 : HBT
The primary concerns for HBT are Revenue Growth, Market Cap, EPS Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HBT profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
HBT carries more volatility with a beta of 0.56 — 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.
Bottom Line
ITUB scores higher overall (76/100 vs 49/100), 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.
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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