Itau Unibanco Banco Holding SA (ITUB)vsUnion Bankshares Inc (UNB)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
UNB
Union Bankshares Inc
$23.26
+0.91%
FINANCIAL SERVICES · Cap: $107.46M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 249685% more annual revenue ($138.19B vs $55.32M). ITUB leads profitability with a 33.3% profit margin vs 20.9%. UNB trades at a lower P/E of 9.3x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
UNB
Buy62
out of 100
Grade: C+
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 21 of every $100 in revenue as profit
Strong operational efficiency at 23.6%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Elevated debt levels
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 : UNB
The strongest argument for UNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.9% and operating margin at 23.6%. Revenue growth of 13.1% 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 : UNB
The primary concerns for UNB are Market Cap, Debt/Equity. Debt-to-equity of 4.06 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while UNB is a mature play — different risk/reward profiles.
UNB carries more volatility with a beta of 0.27 — expect wider price swings.
UNB is growing revenue faster at 13.1% — sustainability is the question.
UNB generates stronger free cash flow (2M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 62/100), backed by strong 33.3% margins. 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.
Union Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Union Bankshares, Inc. is the banking holding company for Union Bank offering retail, commercial and municipal banking products and services in Northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont.
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