Itau Unibanco Banco Holding SA (ITUB)vsUMB Financial Corporation (UMBF)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
UMBF
UMB Financial Corporation
$129.92
+0.95%
FINANCIAL SERVICES · Cap: $10.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 4958% more annual revenue ($138.19B vs $2.73B). ITUB leads profitability with a 33.3% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.32. UMBF earns a higher WallStSmart Score of 81/100 (A-).
ITUB
Strong Buy74
out of 100
Grade: B
UMBF
Exceptional Buy81
out of 100
Grade: A-
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 32 of every $100 in revenue as profit
Strong operational efficiency at 51.0%
Revenue surging 49.0% year-over-year
Earnings expanding 176.9% 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
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 51.0%. Revenue growth of 49.0% demonstrates continued momentum.
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 : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while UMBF is a growth play — different risk/reward profiles.
UMBF carries more volatility with a beta of 0.80 — expect wider price swings.
UMBF is growing revenue faster at 49.0% — sustainability is the question.
UMBF generates stronger free cash flow (357M), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (81/100 vs 74/100), backed by strong 32.3% margins and 49.0% revenue growth. Both earn "Exceptional 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.
UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?