Itau Unibanco Banco Holding SA (ITUB)vsMid Penn Bancorp (MPB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
MPB
Mid Penn Bancorp
$31.64
+0.03%
FINANCIAL SERVICES · Cap: $800.59M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 61806% more annual revenue ($138.95B vs $224.45M). ITUB leads profitability with a 32.3% profit margin vs 25.1%. 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+
MPB
Strong Buy71
out of 100
Grade: B
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
+57.7%
Fair Value
$78.95
Current Price
$31.64
$47.31 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
Strong operational efficiency at 46.2%
Revenue surging 33.1% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Expensive relative to growth rate
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 : MPB
The strongest argument for MPB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.1% and operating margin at 46.2%. Revenue growth of 33.1% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : MPB
The primary concerns for MPB are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a mature stock while MPB is a growth play — different risk/reward profiles.
MPB carries more volatility with a beta of 0.51 — expect wider price swings.
MPB is growing revenue faster at 33.1% — 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 71/100), backed by strong 32.3% margins and 11.0% revenue growth. MPB offers better value entry with a 57.7% 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.
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.
Mid Penn Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mid Penn Bancorp, Inc. is the banking holding company for Mid Penn Bank providing commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company is headquartered in Millersburg, Pennsylvania.
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