Itau Unibanco Banco Holding SA (ITUB)vsSHF Holdings Inc (SHFS)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SHFS
SHF Holdings Inc
$0.83
-4.79%
FINANCIAL SERVICES · Cap: $4.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1185404% more annual revenue ($138.95B vs $11.72M). ITUB leads profitability with a 32.3% profit margin vs 0.0%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
SHFS
Hold38
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Intrinsic value data unavailable for SHFS.
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
Conservative balance sheet, low leverage
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -5.2% — below average capital efficiency
Revenue declined 56.4%
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 : SHFS
The strongest argument for SHFS centers on Debt/Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SHFS
The primary concerns for SHFS are Market Cap, Profit Margin, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SHFS is a value play — different risk/reward profiles.
SHFS carries more volatility with a beta of 0.84 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 38/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Hold" 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.
SHF Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SHF Holdings, Inc., provides access to banking, credit and other financial services to financial institutions serving the cannabis industry. The company is headquartered in Arvada, Colorado.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?