Itau Unibanco Banco Holding SA (ITUB)vsRenasant Corporation (RNST)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
RNST
Renasant Corporation
$36.02
+0.45%
FINANCIAL SERVICES · Cap: $3.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 15718% more annual revenue ($138.95B vs $878.39M). ITUB leads profitability with a 32.3% profit margin vs 20.6%. ITUB appears more attractively valued with a PEG of 1.30. RNST earns a higher WallStSmart Score of 80/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
RNST
Strong Buy80
out of 100
Grade: B+
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
+49.4%
Fair Value
$80.65
Current Price
$36.02
$44.63 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
Reasonable price relative to book value
Strong operational efficiency at 43.5%
Revenue surging 62.7% year-over-year
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
ROE of 5.5% — 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : RNST
The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.6% and operating margin at 43.5%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
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 mature stock while RNST is a growth play — different risk/reward profiles.
RNST carries more volatility with a beta of 0.98 — expect wider price swings.
RNST is growing revenue faster at 62.7% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
RNST scores higher overall (80/100 vs 76/100), backed by strong 20.6% margins and 62.7% 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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