Itau Unibanco Banco Holding SA (ITUB)vsRichmond Mutual Bancorporation Inc (RMBI)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
RMBI
Richmond Mutual Bancorporation Inc
$13.44
-0.52%
FINANCIAL SERVICES · Cap: $132.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 297075% more annual revenue ($138.95B vs $46.76M). ITUB leads profitability with a 32.3% profit margin vs 24.8%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
RMBI
Buy64
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
+73.9%
Fair Value
$54.76
Current Price
$13.44
$41.32 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Generating 16.0B in free cash flow
Keeps 25 of every $100 in revenue as profit
16.4% revenue growth
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
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 : RMBI
The strongest argument for RMBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.8% and operating margin at 32.5%. Revenue growth of 16.4% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while RMBI is a growth play — different risk/reward profiles.
RMBI carries more volatility with a beta of 0.25 — expect wider price swings.
RMBI is growing revenue faster at 16.4% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 64/100), backed by strong 32.3% margins and 11.0% revenue growth. RMBI offers better value entry with a 73.9% 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.
Richmond Mutual Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana.
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