Itau Unibanco Banco Holding SA (ITUB)vsPathfinder Bancorp Inc (PBHC)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
PBHC
Pathfinder Bancorp Inc
$14.10
+3.30%
FINANCIAL SERVICES · Cap: $94.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 460950% more annual revenue ($138.19B vs $29.97M). ITUB leads profitability with a 33.3% profit margin vs -8.3%. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
PBHC
Hold37
out of 100
Grade: F
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
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
4.5% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -3.2% — below average capital efficiency
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 : PBHC
The strongest argument for PBHC centers on Price/Book, Operating Margin.
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 : PBHC
The primary concerns for PBHC are EPS Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while PBHC is a turnaround play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.22 — expect wider price swings.
ITUB is growing revenue faster at -2.1% — sustainability is the question.
PBHC generates stronger free cash flow (-675,000), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 37/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Hold" 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.
Pathfinder Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pathfinder Bancorp, Inc. is a portfolio company of Pathfinder Bank offering various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company is headquartered in Oswego, New York.
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