Itau Unibanco Banco Holding SA (ITUB)vsPreferred Bank (PFBC)
ITUB
Itau Unibanco Banco Holding SA
$8.19
-2.91%
FINANCIAL SERVICES · Cap: $91.48B
PFBC
Preferred Bank
$106.29
-0.07%
FINANCIAL SERVICES · Cap: $1.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 50037% more annual revenue ($143.71B vs $286.64M). PFBC leads profitability with a 47.2% profit margin vs 32.6%. PFBC appears more attractively valued with a PEG of 0.94. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
PFBC
Strong Buy69
out of 100
Grade: B-
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
Attractively priced relative to earnings
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 67.4%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Elevated debt levels
4.7% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : PFBC
The strongest argument for PFBC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 47.2% and operating margin at 67.4%. PEG of 0.94 suggests the stock is reasonably priced for its growth.
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 : PFBC
The primary concerns for PFBC are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while PFBC is a value play — different risk/reward profiles.
PFBC carries more volatility with a beta of 0.54 — 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 69/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "Strong 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.
Preferred Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Preferred Bank offers a variety of commercial banking products and services to small and medium-sized businesses and their real estate owners, entrepreneurs, developers and investors, professionals, and high-net-worth individuals in the United States. The company is headquartered in Los Angeles, California.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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