Itau Unibanco Banco Holding SA (ITUB)vsSHF Holdings Inc (SHFS)
ITUB
Itau Unibanco Banco Holding SA
$7.37
-0.41%
FINANCIAL SERVICES · Cap: $104.05B
SHFS
SHF Holdings Inc
$0.09
-18.83%
FINANCIAL SERVICES · Cap: $158,480
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1707670% more annual revenue ($143.71B vs $8.42M). ITUB leads profitability with a 32.6% profit margin vs -43.9%. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
SHFS
Hold39
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 34.0% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
ROE of -46.3% — below average capital efficiency
Earnings declined 52.9%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : SHFS
The strongest argument for SHFS centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 34.0% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : SHFS
The primary concerns for SHFS are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a growth stock while SHFS is a hypergrowth play — different risk/reward profiles.
SHFS carries more volatility with a beta of 0.87 — expect wider price swings.
SHFS is growing revenue faster at 34.0% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 39/100), backed by strong 32.6% margins and 17.5% 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
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