Itau Unibanco Banco Holding SA (ITUB)vsTompkins Financial Corporation (TMP)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
TMP
Tompkins Financial Corporation
$87.29
+0.66%
FINANCIAL SERVICES · Cap: $1.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 31245% more annual revenue ($138.19B vs $440.85M). TMP leads profitability with a 38.0% profit margin vs 33.3%. ITUB appears more attractively valued with a PEG of 1.32. TMP earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy74
out of 100
Grade: B
TMP
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 41.9%
Earnings expanding 32.8% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : TMP
The strongest argument for TMP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 38.0% and operating margin at 41.9%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Market Cap.
Key Dynamics to Monitor
ITUB profiles as a declining stock while TMP is a mature play — different risk/reward profiles.
TMP carries more volatility with a beta of 0.74 — expect wider price swings.
TMP is growing revenue faster at 7.6% — sustainability is the question.
TMP generates stronger free cash flow (71M), providing more financial flexibility.
Bottom Line
TMP scores higher overall (76/100 vs 74/100), backed by strong 38.0% margins. 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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