Itau Unibanco Banco Holding SA (ITUB)vsMidWestOne Financial Group Inc (MOFG)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
MOFG
MidWestOne Financial Group Inc
$49.31
0.00%
FINANCIAL SERVICES · Cap: $1.02B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 62533% more annual revenue ($138.95B vs $221.84M). ITUB leads profitability with a 32.3% profit margin vs 26.4%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
MOFG
Buy55
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
-111.2%
Fair Value
$22.78
Current Price
$49.31
$26.53 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
Strong operational efficiency at 41.7%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 14.6%
Earnings declined 52.1%
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 : MOFG
The strongest argument for MOFG centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.4% and operating margin at 41.7%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : MOFG
The primary concerns for MOFG are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while MOFG is a declining play — different risk/reward profiles.
MOFG carries more volatility with a beta of 1.06 — 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 55/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
MidWestOne Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
MidWestOne Financial Group, Inc. is the banking holding company for MidWestOne Bank offering commercial and retail banking products and services to individuals, businesses, government units, and institutional clients. The company is headquartered in Iowa City, Iowa.
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