Itau Unibanco Banco Holding SA (ITUB)vsOFG Bancorp (OFG)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
OFG
OFG Bancorp
$46.27
+0.67%
FINANCIAL SERVICES · Cap: $2.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 21678% more annual revenue ($138.19B vs $634.53M). OFG leads profitability with a 33.6% profit margin vs 33.3%. OFG appears more attractively valued with a PEG of 0.92. OFG earns a higher WallStSmart Score of 79/100 (B+).
ITUB
Strong Buy74
out of 100
Grade: B
OFG
Strong Buy79
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.8%
Growing faster than its price suggests
Earnings expanding 26.0% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : OFG
The strongest argument for OFG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 43.8%. PEG of 0.92 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 : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while OFG is a mature play — different risk/reward profiles.
OFG carries more volatility with a beta of 0.73 — expect wider price swings.
OFG is growing revenue faster at 6.9% — sustainability is the question.
OFG generates stronger free cash flow (69M), providing more financial flexibility.
Bottom Line
OFG scores higher overall (79/100 vs 74/100), backed by strong 33.6% 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.
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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