Itau Unibanco Banco Holding SA (ITUB)vsSR Bancorp, Inc. Common stock (SRBK)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
SRBK
SR Bancorp, Inc. Common stock
$18.72
+1.03%
FINANCIAL SERVICES · Cap: $139.92M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 429182% more annual revenue ($138.19B vs $32.19M). ITUB leads profitability with a 33.3% profit margin vs 14.4%. 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
SRBK
Buy51
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
Earnings expanding 100.0% YoY
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
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 2.5% — below average capital efficiency
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 : SRBK
The strongest argument for SRBK centers on Price/Book, EPS Growth, Debt/Equity.
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 : SRBK
The primary concerns for SRBK are P/E Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SRBK is a value play — different risk/reward profiles.
SRBK carries more volatility with a beta of 0.65 — expect wider price swings.
SRBK is growing revenue faster at 7.6% — sustainability is the question.
SRBK generates stronger free cash flow (2M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 51/100), 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.
SR Bancorp, Inc. Common stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company is headquartered in Bound Brook, New Jersey.
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