Itau Unibanco Banco Holding SA (ITUB)vsValley National Bancorp (VLY)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
VLY
Valley National Bancorp
$12.27
0.00%
FINANCIAL SERVICES · Cap: $6.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 7434% more annual revenue ($138.95B vs $1.84B). VLY leads profitability with a 32.4% profit margin vs 32.3%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 84/100 (A-).
ITUB
Strong Buy76
out of 100
Grade: B+
VLY
Exceptional Buy84
out of 100
Grade: A-
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
+71.7%
Fair Value
$47.27
Current Price
$12.27
$35.00 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 32 of every $100 in revenue as profit
Strong operational efficiency at 46.5%
Revenue surging 38.3% year-over-year
Earnings expanding 66.7% YoY
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
ROE of 7.8% — below average capital efficiency
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 : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.4% and operating margin at 46.5%. Revenue growth of 38.3% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : VLY
The primary concerns for VLY are Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while VLY is a growth play — different risk/reward profiles.
VLY carries more volatility with a beta of 1.06 — expect wider price swings.
VLY is growing revenue faster at 38.3% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
VLY scores higher overall (84/100 vs 76/100), backed by strong 32.4% margins and 38.3% 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.
Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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