Itau Unibanco Banco Holding SA (ITUB)vsThird Coast Bancshares, Inc. (TCBX)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
TCBX
Third Coast Bancshares, Inc.
$37.61
-0.45%
FINANCIAL SERVICES · Cap: $622.83M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 68931% more annual revenue ($138.95B vs $201.28M). TCBX leads profitability with a 32.9% profit margin vs 32.3%. TCBX trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
TCBX
Strong Buy68
out of 100
Grade: B-
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
+76.5%
Fair Value
$177.37
Current Price
$37.61
$139.76 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 33 of every $100 in revenue as profit
Strong operational efficiency at 40.4%
Conservative balance sheet, low leverage
Revenue surging 20.1% year-over-year
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
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 : TCBX
The strongest argument for TCBX centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.9% and operating margin at 40.4%. Revenue growth of 20.1% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : TCBX
The primary concerns for TCBX are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while TCBX is a growth play — different risk/reward profiles.
TCBX carries more volatility with a beta of 0.74 — expect wider price swings.
TCBX is growing revenue faster at 20.1% — 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 68/100), backed by strong 32.3% margins and 11.0% revenue growth. TCBX offers better value entry with a 76.5% margin of safety. 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.
Third Coast Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Third Coast Bancshares, Inc. is a banking holding company of Third Coast Bank, SSB that offers various commercial banking solutions to small and medium-sized businesses and professionals. The company is headquartered in Humble, Texas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?