Itau Unibanco Banco Holding SA (ITUB)vsRegions Financial Corporation (RF)
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
RF
Regions Financial Corporation
$28.54
+0.39%
FINANCIAL SERVICES · Cap: $24.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1825% more annual revenue ($138.19B vs $7.18B). ITUB leads profitability with a 33.3% profit margin vs 31.0%. ITUB appears more attractively valued with a PEG of 1.32. RF earns a higher WallStSmart Score of 75/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
RF
Strong Buy75
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Attractively priced relative to earnings
Earnings expanding 21.6% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : RF
The strongest argument for RF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 40.1%.
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 : RF
The primary concerns for RF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while RF is a mature play — different risk/reward profiles.
RF carries more volatility with a beta of 1.03 — expect wider price swings.
RF is growing revenue faster at 7.3% — sustainability is the question.
RF generates stronger free cash flow (863M), providing more financial flexibility.
Bottom Line
RF scores higher overall (75/100 vs 74/100), backed by strong 31.0% margins. 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.
Regions Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.
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