Itau Unibanco Banco Holding SA (ITUB)vsM&T Bank Corporation (MTB)
ITUB
Itau Unibanco Banco Holding SA
$7.93
-0.76%
FINANCIAL SERVICES · Cap: $87.62B
MTB
M&T Bank Corporation
$227.73
+0.32%
FINANCIAL SERVICES · Cap: $33.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1384% more annual revenue ($138.19B vs $9.31B). ITUB leads profitability with a 33.3% profit margin vs 31.5%. ITUB appears more attractively valued with a PEG of 1.35. MTB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy74
out of 100
Grade: B
MTB
Strong Buy77
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Attractively priced relative to earnings
Earnings expanding 24.4% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
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 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : MTB
The strongest argument for MTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.5% and operating margin at 38.9%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
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 : MTB
The primary concerns for MTB are Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while MTB is a mature play — different risk/reward profiles.
MTB carries more volatility with a beta of 0.59 — expect wider price swings.
MTB is growing revenue faster at 5.7% — sustainability is the question.
MTB generates stronger free cash flow (916M), providing more financial flexibility.
Bottom Line
MTB scores higher overall (77/100 vs 74/100), backed by strong 31.5% 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.
M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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