Itau Unibanco Banco Holding SA (ITUB)vsSouthside Bancshares, Inc. (SBSI)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
SBSI
Southside Bancshares, Inc.
$32.93
+3.81%
FINANCIAL SERVICES · Cap: $1.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 57587% more annual revenue ($138.19B vs $239.54M). ITUB leads profitability with a 33.3% profit margin vs 29.6%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
SBSI
Buy60
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 42.6%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Elevated debt levels
Expensive relative to growth rate
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 : SBSI
The strongest argument for SBSI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.6% and operating margin at 42.6%.
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 : SBSI
The primary concerns for SBSI are Market Cap, Debt/Equity, PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SBSI is a mature play — different risk/reward profiles.
SBSI carries more volatility with a beta of 0.58 — expect wider price swings.
SBSI is growing revenue faster at 8.8% — sustainability is the question.
SBSI generates stronger free cash flow (45M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 60/100), 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.
Southside Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southside Bancshares, Inc. is the banking holding company for Southside Bank providing a range of financial services to individuals, businesses, municipal entities, and non-profit organizations. The company is headquartered in Tyler, Texas.
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