Itau Unibanco Banco Holding SA (ITUB)vsPeoples Fin (PFIS)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PFIS
Peoples Fin
$52.59
-1.35%
FINANCIAL SERVICES · Cap: $527.55M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 73969% more annual revenue ($138.95B vs $187.59M). ITUB leads profitability with a 32.3% profit margin vs 31.6%. ITUB appears more attractively valued with a PEG of 1.30. PFIS earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PFIS
Strong Buy77
out of 100
Grade: B+
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
+79.7%
Fair Value
$275.18
Current Price
$52.59
$222.59 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 42.2%
Earnings expanding 97.0% YoY
Areas to Watch
2.8% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : PFIS
The strongest argument for PFIS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 42.2%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PFIS
The primary concerns for PFIS are Market Cap.
Key Dynamics to Monitor
PFIS carries more volatility with a beta of 0.77 — expect wider price swings.
PFIS is growing revenue faster at 12.2% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PFIS scores higher overall (77/100 vs 76/100), backed by strong 31.6% margins and 12.2% 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.
Peoples Fin
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania.
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