Itau Unibanco Banco Holding SA (ITUB)vsMid Penn Bancorp (MPB)
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
MPB
Mid Penn Bancorp
$38.44
+0.23%
FINANCIAL SERVICES · Cap: $956.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 52339% more annual revenue ($138.19B vs $263.52M). ITUB leads profitability with a 33.3% profit margin vs 25.9%. ITUB appears more attractively valued with a PEG of 1.46. ITUB earns a higher WallStSmart Score of 73/100 (B).
ITUB
Strong Buy73
out of 100
Grade: B
MPB
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 40.5%
Revenue surging 44.7% year-over-year
Earnings expanding 286.4% YoY
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
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 33.3% and operating margin at 33.1%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : MPB
The strongest argument for MPB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.9% and operating margin at 40.5%. Revenue growth of 44.7% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : MPB
The primary concerns for MPB are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a declining stock while MPB is a growth play — different risk/reward profiles.
MPB carries more volatility with a beta of 0.46 — expect wider price swings.
MPB is growing revenue faster at 44.7% — sustainability is the question.
MPB generates stronger free cash flow (25M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (73/100 vs 72/100), backed by strong 33.3% margins. 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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