Itau Unibanco Banco Holding SA (ITUB)vsSummit State Bank (SSBI)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SSBI
Summit State Bank
$13.05
+0.08%
FINANCIAL SERVICES · Cap: $89.72M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 423416% more annual revenue ($138.95B vs $32.81M). ITUB leads profitability with a 32.3% profit margin vs 20.7%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
SSBI
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Intrinsic value data unavailable for SSBI.
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Earnings expanding 33.3% YoY
Areas to Watch
2.8% earnings growth
3.3% revenue growth
Smaller company, higher risk/reward
ROE of 7.0% — below average capital efficiency
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 : SSBI
The strongest argument for SSBI centers on Price/Book, Debt/Equity, Profit Margin. Profitability is solid with margins at 20.7% and operating margin at 19.0%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SSBI
The primary concerns for SSBI are Revenue Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SSBI is a value play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 64/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Summit State Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Summit State Bank offers a variety of banking products and services to individuals and businesses primarily in Sonoma County, California. The company is headquartered in Santa Rosa, California.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?