Itau Unibanco Banco Holding SA (ITUB)vsPeoples Bancorp of North Carolina (PEBK)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
PEBK
Peoples Bancorp of North Carolina
$41.13
-2.44%
FINANCIAL SERVICES · Cap: $234.48M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 153667% more annual revenue ($138.19B vs $89.87M). ITUB leads profitability with a 33.3% profit margin vs 22.1%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
PEBK
Buy51
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 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
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 27.8%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
4.0% revenue growth
1.3% earnings growth
Smaller company, higher risk/reward
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 : PEBK
The strongest argument for PEBK centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 22.1% and operating margin at 27.8%.
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 : PEBK
The primary concerns for PEBK are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
ITUB profiles as a declining stock while PEBK is a value play — different risk/reward profiles.
PEBK carries more volatility with a beta of 0.31 — expect wider price swings.
PEBK is growing revenue faster at 4.0% — sustainability is the question.
PEBK generates stronger free cash flow (5M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 51/100), backed by strong 33.3% margins. 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.
Peoples Bancorp of North Carolina
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.
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