Itau Unibanco Banco Holding SA (ITUB)vsUnited Bancorp Inc (UBCP)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
UBCP
United Bancorp Inc
$16.48
-3.11%
FINANCIAL SERVICES · Cap: $98.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 436095% more annual revenue ($138.95B vs $31.85M). ITUB leads profitability with a 32.3% profit margin vs 24.3%. 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+
UBCP
Buy56
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
+63.5%
Fair Value
$38.91
Current Price
$16.48
$22.43 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
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 22.7%
17.4% revenue growth
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
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 : UBCP
The strongest argument for UBCP centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 24.3% and operating margin at 22.7%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : UBCP
The primary concerns for UBCP are Market Cap, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
ITUB profiles as a mature stock while UBCP is a growth play — different risk/reward profiles.
UBCP carries more volatility with a beta of 0.38 — expect wider price swings.
UBCP is growing revenue faster at 17.4% — 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 56/100), backed by strong 32.3% margins and 11.0% revenue growth. UBCP offers better value entry with a 63.5% 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.
United Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.
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