Itau Unibanco Banco Holding SA (ITUB)vsTexas Capital Bancshares Inc (TCBIO)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
TCBIO
Texas Capital Bancshares Inc
$22.07
+0.87%
FINANCIAL SERVICES · Cap: $3.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 11471% more annual revenue ($138.95B vs $1.20B). ITUB leads profitability with a 32.3% profit margin vs 27.5%. TCBIO trades at a lower P/E of 5.5x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
TCBIO
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
+88.3%
Fair Value
$185.28
Current Price
$22.07
$163.21 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
Strong operational efficiency at 42.5%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
19.1% revenue growth
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 : TCBIO
The strongest argument for TCBIO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.5% and operating margin at 42.5%. Revenue growth of 19.1% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : TCBIO
The primary concerns for TCBIO are Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while TCBIO is a growth play — different risk/reward profiles.
TCBIO carries more volatility with a beta of 0.69 — expect wider price swings.
TCBIO is growing revenue faster at 19.1% — 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. TCBIO offers better value entry with a 88.3% margin of safety. 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.
Texas Capital Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Texas Capital Bancshares Inc (TCBIO), based in Dallas, Texas, is a prominent banking institution that delivers a wide array of financial solutions tailored to both commercial and private clients. The company specializes in business loans, treasury management, and personal banking services, underpinned by a commitment to customer relationship excellence and regional market knowledge. With a focus on disciplined risk management and strategic growth initiatives, TCBIO is well-positioned to navigate the competitive landscape and capitalize on emerging opportunities, thereby ensuring long-term value creation for its shareholders.
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