Itau Unibanco Banco Holding SA (ITUB)vsRed River Bancshares Inc (RRBI)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
RRBI
Red River Bancshares Inc
$90.58
-0.23%
FINANCIAL SERVICES · Cap: $588.13M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 112662% more annual revenue ($138.95B vs $123.22M). RRBI leads profitability with a 34.7% profit margin vs 32.3%. 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+
RRBI
Buy62
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
+69.9%
Fair Value
$298.58
Current Price
$90.58
$208.00 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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.9%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 27.2% YoY
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 : RRBI
The strongest argument for RRBI centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 34.7% and operating margin at 44.9%. Revenue growth of 13.5% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : RRBI
The primary concerns for RRBI are Market Cap.
Key Dynamics to Monitor
RRBI carries more volatility with a beta of 0.47 — expect wider price swings.
RRBI is growing revenue faster at 13.5% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 62/100), backed by strong 32.3% margins and 11.0% revenue growth. RRBI offers better value entry with a 69.9% 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.
Red River Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Red River Bancshares, Inc. is a banking holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company is headquartered in Alexandria, Louisiana.
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