Itau Unibanco Banco Holding SA (ITUB)vsPathfinder Bancorp Inc (PBHC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PBHC
Pathfinder Bancorp Inc
$13.12
0.00%
FINANCIAL SERVICES · Cap: $92.13M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 356037% more annual revenue ($138.95B vs $39.02M). ITUB leads profitability with a 32.3% profit margin vs 5.8%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PBHC
Avoid33
out of 100
Grade: F
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
-64.5%
Fair Value
$8.16
Current Price
$13.12
$4.96 premium
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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 2.9% — below average capital efficiency
5.8% margin — thin
Operating margin of 0.8%
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 : PBHC
The strongest argument for PBHC centers on Price/Book, P/E Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PBHC
The primary concerns for PBHC are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
ITUB profiles as a mature stock while PBHC is a value play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 33/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Avoid" 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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