Itau Unibanco Banco Holding SA (ITUB)vsOFG Bancorp (OFG)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
OFG
OFG Bancorp
$52.66
+0.19%
FINANCIAL SERVICES · Cap: $2.22B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 21970% more annual revenue ($143.71B vs $651.16M). OFG leads profitability with a 33.9% profit margin vs 32.6%. OFG appears more attractively valued with a PEG of 0.92. OFG earns a higher WallStSmart Score of 81/100 (A-).
ITUB
Strong Buy77
out of 100
Grade: B+
OFG
Exceptional Buy81
out of 100
Grade: A-
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 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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 20.9% YoY
Areas to Watch
Weak financial health signals
Elevated debt levels
Weak financial health signals
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : OFG
The strongest argument for OFG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.3%. Revenue growth of 10.4% 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 : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while OFG is a mature play — different risk/reward profiles.
OFG carries more volatility with a beta of 0.70 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
OFG scores higher overall (81/100 vs 77/100), backed by strong 33.9% margins and 10.4% revenue growth. Both earn "Exceptional 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.
OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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