Itau Unibanco Banco Holding SA (ITUB)vsPathfinder Bancorp Inc (PBHC)
ITUB
Itau Unibanco Banco Holding SA
$8.33
+0.36%
FINANCIAL SERVICES · Cap: $91.48B
PBHC
Pathfinder Bancorp Inc
$17.21
+0.06%
FINANCIAL SERVICES · Cap: $99.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 425240% more annual revenue ($143.71B vs $33.79M). ITUB leads profitability with a 32.6% profit margin vs 0.4%. ITUB trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
PBHC
Buy58
out of 100
Grade: C
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Revenue surging 47.1% year-over-year
Earnings expanding 8256.0% YoY
Strong operational efficiency at 29.4%
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
0.4% margin — thin
Elevated debt levels
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : PBHC
The strongest argument for PBHC centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 47.1% demonstrates continued momentum.
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 : PBHC
The primary concerns for PBHC are Market Cap, Profit Margin, Debt/Equity. A P/E of 1579.0x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
ITUB profiles as a growth stock while PBHC is a hypergrowth play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.14 — expect wider price swings.
PBHC is growing revenue faster at 47.1% — 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 58/100), 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.
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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