Itau Unibanco Banco Holding SA (ITUB)vsStellar Bancorp, Inc. (STEL)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
STEL
Stellar Bancorp, Inc.
$36.25
0.00%
FINANCIAL SERVICES · Cap: $1.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 33523% more annual revenue ($138.95B vs $413.25M). ITUB leads profitability with a 32.3% profit margin vs 24.9%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
STEL
Buy52
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
Margin of Safety
+5.9%
Fair Value
$42.19
Current Price
$36.25
$5.94 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
Reasonable price relative to book value
Strong operational efficiency at 36.4%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
Revenue declined 3.1%
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 : STEL
The strongest argument for STEL centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.9% and operating margin at 36.4%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : STEL
The primary concerns for STEL are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while STEL is a declining play — different risk/reward profiles.
STEL carries more volatility with a beta of 0.77 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 52/100), 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.
Stellar Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Stellar Bancorp, Inc. is the banking holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals and individual clients. The company is headquartered in Houston, Texas.
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