Itau Unibanco Banco Holding SA (ITUB)vsRichmond Mutual Bancorporation Inc (RMBI)
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
RMBI
Richmond Mutual Bancorporation Inc
$15.50
+0.19%
FINANCIAL SERVICES · Cap: $252.06M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 287083% more annual revenue ($138.19B vs $48.12M). ITUB leads profitability with a 33.3% profit margin vs 25.8%. ITUB trades at a lower P/E of 10.6x. ITUB earns a higher WallStSmart Score of 73/100 (B).
ITUB
Strong Buy73
out of 100
Grade: B
RMBI
Buy59
out of 100
Grade: C
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
Strong operational efficiency at 30.2%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 40.0% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
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 33.3% and operating margin at 33.1%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : RMBI
The strongest argument for RMBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.8% and operating margin at 30.2%. Revenue growth of 12.7% demonstrates continued momentum.
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 : RMBI
The primary concerns for RMBI are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while RMBI is a mature play — different risk/reward profiles.
RMBI carries more volatility with a beta of 0.30 — expect wider price swings.
RMBI is growing revenue faster at 12.7% — sustainability is the question.
RMBI generates stronger free cash flow (2M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (73/100 vs 59/100), backed by strong 33.3% margins. 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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