Itau Unibanco Banco Holding SA (ITUB)vsProvident Financial Holdings Inc (PROV)
ITUB
Itau Unibanco Banco Holding SA
$8.33
+0.36%
FINANCIAL SERVICES · Cap: $91.48B
PROV
Provident Financial Holdings Inc
$18.63
-0.43%
FINANCIAL SERVICES · Cap: $116.58M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 353814% more annual revenue ($143.71B vs $40.61M). ITUB leads profitability with a 32.6% profit margin vs 16.4%. ITUB appears more attractively valued with a PEG of 1.26. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
PROV
Strong Buy65
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
Reasonable price relative to book value
Strong operational efficiency at 29.0%
Earnings expanding 41.6% YoY
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
ROE of 4.8% — below average capital efficiency
Elevated debt levels
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : PROV
The strongest argument for PROV centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 16.4% and operating margin at 29.0%. Revenue growth of 10.3% demonstrates continued momentum.
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 : PROV
The primary concerns for PROV are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
ITUB profiles as a growth stock while PROV is a mature play — different risk/reward profiles.
PROV carries more volatility with a beta of 0.32 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 65/100), 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.
Provident Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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