Itau Unibanco Banco Holding SA (ITUB)vsOrigin Bancorp, Inc. (OBK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
OBK
Origin Bancorp, Inc.
$40.96
+0.27%
FINANCIAL SERVICES · Cap: $1.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 40535% more annual revenue ($138.95B vs $341.94M). ITUB leads profitability with a 32.3% profit margin vs 22.0%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
OBK
Strong Buy69
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
+60.6%
Fair Value
$112.32
Current Price
$40.96
$71.36 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 40.1%
Earnings expanding 109.0% YoY
Conservative balance sheet, low leverage
Keeps 22 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 6.3% — below average capital efficiency
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : OBK
The strongest argument for OBK centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 22.0% and operating margin at 40.1%. Revenue growth of 19.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : OBK
The primary concerns for OBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while OBK is a growth play — different risk/reward profiles.
OBK carries more volatility with a beta of 0.70 — expect wider price swings.
OBK is growing revenue faster at 19.6% — 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 69/100), backed by strong 32.3% margins and 11.0% revenue growth. OBK offers better value entry with a 60.6% 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.
Origin Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Origin Bancorp, Inc. is a prominent financial institution headquartered in Ruston, Louisiana, known for its comprehensive portfolio of banking and financial services tailored to individuals and businesses. Through its subsidiary, Origin Bank, the company delivers a robust suite of offerings including commercial banking, mortgage lending, and wealth management, underscoring its commitment to exceptional customer service and community involvement. With a strategic focus on leveraging advanced technology to enhance client engagement and operational capabilities, Origin Bancorp is well-positioned to capitalize on growth opportunities in the dynamic financial sector.
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