Itau Unibanco Banco Holding SA (ITUB)vsOak Valley Bancorp (OVLY)
ITUB
Itau Unibanco Banco Holding SA
$7.37
-0.41%
FINANCIAL SERVICES · Cap: $104.05B
OVLY
Oak Valley Bancorp
$34.48
+0.76%
FINANCIAL SERVICES · Cap: $286.96M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 172122% more annual revenue ($143.71B vs $83.45M). ITUB leads profitability with a 32.6% profit margin vs 27.8%. OVLY trades at a lower P/E of 12.1x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
OVLY
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 37.9%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Elevated debt levels
1.8% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 4.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : OVLY
The strongest argument for OVLY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.8% and operating margin at 37.9%.
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 : OVLY
The primary concerns for OVLY are Revenue Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while OVLY is a value play — different risk/reward profiles.
OVLY carries more volatility with a beta of 0.21 — 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
ITUB scores higher overall (77/100 vs 51/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "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.
Oak Valley Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Oak Valley Bancorp is the banking holding company for Oak Valley Community Bank providing a range of commercial banking services to individuals and small and medium-sized businesses in Oakdale, California and surrounding areas. The company is headquartered in Oakdale, California.
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