Itau Unibanco Banco Holding SA (ITUB)vsVirginia National Bankshares Corp (VABK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
VABK
Virginia National Bankshares Corp
$38.34
-1.06%
FINANCIAL SERVICES · Cap: $208.98M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 241690% more annual revenue ($138.95B vs $57.47M). VABK leads profitability with a 33.5% profit margin vs 32.3%. 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+
VABK
Buy61
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
+75.6%
Fair Value
$166.14
Current Price
$38.34
$127.80 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 53.7%
Conservative balance sheet, low leverage
Earnings expanding 29.5% YoY
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
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 : VABK
The strongest argument for VABK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 53.7%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : VABK
The primary concerns for VABK are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
VABK carries more volatility with a beta of 0.46 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 61/100), backed by strong 32.3% margins and 11.0% revenue growth. VABK offers better value entry with a 75.6% 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.
Virginia National Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Virginia National Bankshares Corporation is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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