Itau Unibanco Banco Holding SA (ITUB)vsPark National Corporation (PRK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PRK
Park National Corporation
$157.50
-0.16%
FINANCIAL SERVICES · Cap: $2.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 25362% more annual revenue ($138.95B vs $545.70M). PRK leads profitability with a 33.0% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PRK
Buy61
out of 100
Grade: C+
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
+36.3%
Fair Value
$270.84
Current Price
$157.50
$113.34 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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 38.8%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : PRK
The strongest argument for PRK centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.0% and operating margin at 38.8%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PRK
The primary concerns for PRK are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PRK carries more volatility with a beta of 0.71 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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
ITUB scores higher overall (76/100 vs 61/100), backed by strong 32.3% margins and 11.0% revenue growth. PRK offers better value entry with a 36.3% margin of safety. 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.
Park National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Park National Corporation is the bank holding company for Park National Bank providing commercial banking and trust services in small and medium population areas. The company is headquartered in Newark, Ohio.
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