Itau Unibanco Banco Holding SA (ITUB)vsJohn Marshall Bancorp Inc (JMSB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
JMSB
John Marshall Bancorp Inc
$19.91
-0.87%
FINANCIAL SERVICES · Cap: $276.88M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 227869% more annual revenue ($138.95B vs $60.95M). JMSB leads profitability with a 34.8% 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+).
ITUB
Strong Buy76
out of 100
Grade: B+
JMSB
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+70.7%
Fair Value
$69.73
Current Price
$19.91
$49.82 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 49.3%
Attractively priced relative to earnings
Earnings expanding 26.3% YoY
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : JMSB
The strongest argument for JMSB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.8% and operating margin at 49.3%. Revenue growth of 11.9% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : JMSB
The primary concerns for JMSB are Market Cap.
Key Dynamics to Monitor
JMSB carries more volatility with a beta of 0.49 — expect wider price swings.
JMSB is growing revenue faster at 11.9% — 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 59/100), backed by strong 32.3% margins and 11.0% revenue growth. JMSB offers better value entry with a 70.7% margin of safety. 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.
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.
John Marshall Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
John Marshall Bancorp, Inc. is the bank holding company of John Marshall Bank offering banking products and financial services. The company is headquartered in Reston, Virginia.
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