Itau Unibanco Banco Holding SA (ITUB)vsOptimumBank Holdings, Inc. (OPHC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
OPHC
OptimumBank Holdings, Inc.
$5.36
-0.19%
FINANCIAL SERVICES · Cap: $65.70M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 293502% more annual revenue ($138.95B vs $47.33M). OPHC leads profitability with a 35.2% profit margin vs 32.3%. OPHC appears more attractively valued with a PEG of 1.03. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
OPHC
Strong Buy75
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
+80.9%
Fair Value
$27.43
Current Price
$5.36
$22.07 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Revenue surging 36.2% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
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 : OPHC
The strongest argument for OPHC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.2% and operating margin at 50.1%. Revenue growth of 36.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : OPHC
The primary concerns for OPHC are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while OPHC is a growth play — different risk/reward profiles.
OPHC carries more volatility with a beta of 0.27 — expect wider price swings.
OPHC is growing revenue faster at 36.2% — 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 75/100), backed by strong 32.3% margins and 11.0% revenue growth. OPHC offers better value entry with a 80.9% 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.
OptimumBank Holdings, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OptimumBank Holdings, Inc. is OptimumBank's banking holding company that provides various commercial and consumer banking services to individuals and businesses. The company is headquartered in Fort Lauderdale, Florida.
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