Itau Unibanco Banco Holding SA (ITUB)vsSouth Plains Financial Inc (SPFI)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
SPFI
South Plains Financial Inc
$41.07
+3.76%
FINANCIAL SERVICES · Cap: $799.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 65129% more annual revenue ($138.19B vs $211.85M). ITUB leads profitability with a 33.3% profit margin vs 28.7%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
SPFI
Buy63
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Keeps 29 of every $100 in revenue as profit
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
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 : SPFI
The strongest argument for SPFI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 34.1%. Revenue growth of 10.6% demonstrates continued momentum.
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 : SPFI
The primary concerns for SPFI are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SPFI is a mature play — different risk/reward profiles.
SPFI carries more volatility with a beta of 0.47 — expect wider price swings.
SPFI is growing revenue faster at 10.6% — sustainability is the question.
SPFI generates stronger free cash flow (15M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 63/100), 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.
South Plains Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South Plains Financial, Inc. is a bank holding company for City Bank providing commercial and consumer financial services to small and medium-sized businesses and individuals. The company is headquartered in Lubbock, Texas.
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