Itau Unibanco Banco Holding SA (ITUB)vsPeapack-Gladstone Financial (PGC)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
PGC
Peapack-Gladstone Financial
$43.91
+4.20%
FINANCIAL SERVICES · Cap: $800.34M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 50356% more annual revenue ($138.19B vs $273.87M). ITUB leads profitability with a 33.3% profit margin vs 16.0%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy74
out of 100
Grade: B
PGC
Strong Buy76
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 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
Earnings expanding 86.0% YoY
Growing faster than its price suggests
Strong operational efficiency at 28.1%
Revenue surging 25.5% year-over-year
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
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 : PGC
The strongest argument for PGC centers on Price/Book, EPS Growth, PEG Ratio. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% demonstrates continued momentum.
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 : PGC
The primary concerns for PGC are Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a declining stock while PGC is a growth play — different risk/reward profiles.
PGC carries more volatility with a beta of 0.73 — expect wider price swings.
PGC is growing revenue faster at 25.5% — sustainability is the question.
PGC generates stronger free cash flow (23M), providing more financial flexibility.
Bottom Line
PGC scores higher overall (76/100 vs 74/100), backed by strong 16.0% margins and 25.5% 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.
Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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