Itau Unibanco Banco Holding SA (ITUB)vsQCR Holdings Inc (QCRH)
ITUB
Itau Unibanco Banco Holding SA
$8.11
+0.37%
FINANCIAL SERVICES · Cap: $90.16B
QCRH
QCR Holdings Inc
$100.92
+0.50%
FINANCIAL SERVICES · Cap: $1.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 37796% more annual revenue ($143.71B vs $379.24M). QCRH leads profitability with a 37.4% profit margin vs 32.6%. QCRH appears more attractively valued with a PEG of 1.02. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
QCRH
Strong Buy73
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
15.6% revenue growth
Earnings expanding 28.1% YoY
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : QCRH
The strongest argument for QCRH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.4% and operating margin at 45.3%. Revenue growth of 15.6% 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 : QCRH
The primary concerns for QCRH are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
QCRH carries more volatility with a beta of 0.74 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 73/100), 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.
QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
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