Itau Unibanco Banco Holding SA (ITUB)vsMerchants Bancorp (MBIN)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
MBIN
Merchants Bancorp
$42.94
+0.61%
FINANCIAL SERVICES · Cap: $1.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 24549% more annual revenue ($138.95B vs $563.69M). MBIN leads profitability with a 38.8% 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+
MBIN
Hold49
out of 100
Grade: D+
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
-81.2%
Fair Value
$25.70
Current Price
$42.94
$17.24 premium
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 52.0%
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
Revenue declined 17.6%
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 : MBIN
The strongest argument for MBIN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 38.8% and operating margin at 52.0%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : MBIN
The primary concerns for MBIN are Market Cap, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a mature stock while MBIN is a declining play — different risk/reward profiles.
MBIN carries more volatility with a beta of 1.20 — 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.
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.
Merchants Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Merchants Bancorp is the diversified bank holding company in the United States. The company is headquartered in Carmel, Indiana.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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