Itau Unibanco Banco Holding SA (ITUB)vsSouthern Missouri Bancorp Inc (SMBC)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
SMBC
Southern Missouri Bancorp Inc
$69.00
+2.22%
FINANCIAL SERVICES · Cap: $786.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 74300% more annual revenue ($138.19B vs $185.73M). SMBC leads profitability with a 36.3% profit margin vs 33.3%. SMBC appears more attractively valued with a PEG of 1.07. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
SMBC
Strong Buy68
out of 100
Grade: B-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.3%
Conservative balance sheet, low leverage
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
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 : SMBC
The strongest argument for SMBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.3% and operating margin at 48.3%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
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 : SMBC
The primary concerns for SMBC are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SMBC is a mature play — different risk/reward profiles.
SMBC carries more volatility with a beta of 0.88 — expect wider price swings.
SMBC is growing revenue faster at 6.5% — sustainability is the question.
SMBC generates stronger free cash flow (29M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 68/100), backed by strong 33.3% margins. 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.
Southern Missouri Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern Missouri Bancorp, Inc. is the banking holding company for Southern Bank providing banking and financial services to individual and corporate clients in the United States. The company is headquartered in Poplar Bluff, Missouri.
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