Itau Unibanco Banco Holding SA (ITUB)vsTrustCo Bank Corp NY (TRST)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
TRST
TrustCo Bank Corp NY
$58.45
+0.05%
FINANCIAL SERVICES · Cap: $980.80M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 73685% more annual revenue ($143.71B vs $194.77M). TRST leads profitability with a 33.4% profit margin vs 32.6%. TRST appears more attractively valued with a PEG of 0.63. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
TRST
Strong Buy73
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.7%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
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 P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : TRST
The strongest argument for TRST centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 33.4% and operating margin at 46.7%. Revenue growth of 10.7% demonstrates continued momentum.
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 : TRST
The primary concerns for TRST are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while TRST is a mature play — different risk/reward profiles.
TRST carries more volatility with a beta of 0.65 — 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 73/100), 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.
TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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