Itau Unibanco Banco Holding SA (ITUB)vsProvident Financial Services Inc (PFS)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PFS
Provident Financial Services Inc
$20.88
+0.19%
FINANCIAL SERVICES · Cap: $2.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 15930% more annual revenue ($138.95B vs $866.82M). PFS leads profitability with a 33.6% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. PFS earns a higher WallStSmart Score of 80/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PFS
Strong Buy80
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
+77.7%
Fair Value
$104.36
Current Price
$20.88
$83.48 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 34 of every $100 in revenue as profit
Strong operational efficiency at 54.5%
Earnings expanding 72.1% YoY
15.2% revenue growth
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
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 : PFS
The strongest argument for PFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 54.5%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PFS
The primary concerns for PFS are PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a mature stock while PFS is a growth play — different risk/reward profiles.
PFS carries more volatility with a beta of 0.84 — expect wider price swings.
PFS is growing revenue faster at 15.2% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
PFS scores higher overall (80/100 vs 76/100), backed by strong 33.6% margins and 15.2% 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.
Provident Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Services, Inc. is the banking holding company for Provident Bank offering various banking products and services to individuals, families and businesses in the United States. The company is headquartered in Jersey City, New Jersey.
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