Itau Unibanco Banco Holding SA (ITUB)vsS&T Bancorp Inc (STBA)
ITUB
Itau Unibanco Banco Holding SA
$10.06
-0.98%
FINANCIAL SERVICES · Cap: $111.87B
STBA
S&T Bancorp Inc
$48.05
-1.42%
FINANCIAL SERVICES · Cap: $1.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 35412% more annual revenue ($143.71B vs $404.69M). STBA leads profitability with a 34.7% profit margin vs 32.6%. STBA appears more attractively valued with a PEG of 1.23. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
STBA
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.9% YoY
Areas to Watch
Weak financial health signals
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 Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.7% and operating margin at 44.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : STBA
The primary concerns for STBA are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while STBA is a mature play — different risk/reward profiles.
STBA carries more volatility with a beta of 0.84 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 72/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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