Itau Unibanco Banco Holding SA (ITUB)vsSouthState Corporation (SSB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SSB
SouthState Corporation
$91.71
+0.70%
FINANCIAL SERVICES · Cap: $9.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 5337% more annual revenue ($138.95B vs $2.56B). ITUB leads profitability with a 32.3% profit margin vs 31.2%. ITUB appears more attractively valued with a PEG of 1.30. SSB earns a higher WallStSmart Score of 86/100 (A).
ITUB
Strong Buy76
out of 100
Grade: B+
SSB
Exceptional Buy86
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+71.8%
Fair Value
$368.32
Current Price
$91.71
$276.61 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Revenue surging 52.0% year-over-year
Earnings expanding 31.1% YoY
Areas to Watch
2.8% earnings growth
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : SSB
The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 51.1%. Revenue growth of 52.0% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SSB
The primary concerns for SSB are Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SSB is a growth play — different risk/reward profiles.
SSB carries more volatility with a beta of 0.73 — expect wider price swings.
SSB is growing revenue faster at 52.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
SSB scores higher overall (86/100 vs 76/100), backed by strong 31.2% margins and 52.0% revenue growth. Both earn "Exceptional 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.
SouthState Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.
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