Itau Unibanco Banco Holding SA (ITUB)vsRenasant Corporation (RNST)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
RNST
Renasant Corporation
$40.83
+0.72%
FINANCIAL SERVICES · Cap: $3.95B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 14025% more annual revenue ($138.19B vs $978.30M). ITUB leads profitability with a 33.3% profit margin vs 23.3%. ITUB appears more attractively valued with a PEG of 1.32. RNST earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy74
out of 100
Grade: B
RNST
Strong Buy77
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
Strong operational efficiency at 45.2%
Revenue surging 60.2% year-over-year
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 44.6% 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
ROE of 5.9% — below average capital efficiency
Weak financial health signals
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 : RNST
The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.3% and operating margin at 45.2%. Revenue growth of 60.2% 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 : RNST
The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while RNST is a growth play — different risk/reward profiles.
RNST carries more volatility with a beta of 0.99 — expect wider price swings.
RNST is growing revenue faster at 60.2% — sustainability is the question.
RNST generates stronger free cash flow (94M), providing more financial flexibility.
Bottom Line
RNST scores higher overall (77/100 vs 74/100), backed by strong 23.3% margins and 60.2% 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.
Renasant Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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