Itau Unibanco Banco Holding SA (ITUB)vsUnivest Corporation Pennsylvania (UVSP)
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
UVSP
Univest Corporation Pennsylvania
$44.40
-0.47%
FINANCIAL SERVICES · Cap: $1.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 42609% more annual revenue ($138.19B vs $323.55M). ITUB leads profitability with a 33.3% profit margin vs 29.5%. UVSP appears more attractively valued with a PEG of 1.30. UVSP earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy73
out of 100
Grade: B
UVSP
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
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 24.7% YoY
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
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 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : UVSP
The strongest argument for UVSP centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.5% and operating margin at 40.7%. Revenue growth of 12.1% 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 : UVSP
The primary concerns for UVSP are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while UVSP is a mature play — different risk/reward profiles.
UVSP carries more volatility with a beta of 0.65 — expect wider price swings.
UVSP is growing revenue faster at 12.1% — sustainability is the question.
UVSP generates stronger free cash flow (22M), providing more financial flexibility.
Bottom Line
UVSP scores higher overall (76/100 vs 73/100), backed by strong 29.5% margins and 12.1% 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.
Univest Corporation Pennsylvania
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.
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