International Bancshares Corporation (IBOC)vsItau Unibanco Banco Holding SA (ITUB)
IBOC
International Bancshares Corporation
$67.71
-0.19%
FINANCIAL SERVICES · Cap: $4.24B
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 16809% more annual revenue ($138.95B vs $821.72M). IBOC leads profitability with a 51.2% profit margin vs 32.3%. IBOC appears more attractively valued with a PEG of 0.98. ITUB earns a higher WallStSmart Score of 76/100 (B+).
IBOC
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+49.2%
Fair Value
$141.15
Current Price
$67.71
$73.44 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
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 64.7%
Conservative balance sheet, low leverage
Growing faster than its price suggests
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
Weak financial health signals
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : IBOC
The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 51.2% and operating margin at 64.7%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
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 : IBOC
The primary concerns for IBOC are Piotroski F-Score, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
IBOC carries more volatility with a beta of 0.74 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 71/100), backed by strong 32.3% margins and 11.0% revenue growth. IBOC offers better value entry with a 49.2% 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.
International Bancshares Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.
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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