Itau Unibanco Banco Holding SA (ITUB)vsMid Penn Bancorp (MPB)
ITUB
Itau Unibanco Banco Holding SA
$7.37
-0.47%
FINANCIAL SERVICES · Cap: $104.05B
MPB
Mid Penn Bancorp
$34.21
-0.38%
FINANCIAL SERVICES · Cap: $867.98M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 51687% more annual revenue ($143.71B vs $277.51M). ITUB leads profitability with a 32.6% profit margin vs 25.8%. ITUB appears more attractively valued with a PEG of 1.33. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
MPB
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.5%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Revenue surging 22.5% year-over-year
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
ROE of 7.9% — 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 Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : MPB
The strongest argument for MPB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 40.5%. Revenue growth of 22.5% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 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
MPB carries more volatility with a beta of 0.48 — expect wider price swings.
MPB is growing revenue faster at 22.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 64/100), backed by strong 32.6% margins and 17.5% 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.
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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