WallStSmart

Ameris Bancorp (ABCB)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 12045% more annual revenue ($143.71B vs $1.18B). ITUB leads profitability with a 32.6% profit margin vs 31.8%. ABCB appears more attractively valued with a PEG of 1.10. ITUB earns a higher WallStSmart Score of 77/100 (B+).

ABCB

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9Altman Z: 0.33

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ABCB4 strengths · Avg: 9.5/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.8%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
50.2%10/10

Strong operational efficiency at 50.2%

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

ABCB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
3.6%4/10

3.6% revenue growth

EPS GrowthGrowth
-51.9%2/10

Earnings declined 51.9%

Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ABCB

The strongest argument for ABCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.8% and operating margin at 50.2%. PEG of 1.10 suggests the stock is reasonably priced for its growth.

Bull Case : ITUB

The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : ABCB

The primary concerns for ABCB are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

ABCB profiles as a value stock while ITUB is a growth play — different risk/reward profiles.

ABCB carries more volatility with a beta of 0.92 — expect wider price swings.

ITUB is growing revenue faster at 17.5% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (77/100 vs 61/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.

Ameris Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ameris Bancorp is the banking holding company for Ameris Bank providing a range of banking services to retail and business clients primarily in Georgia, Alabama, Florida and South Carolina. The company is headquartered in Atlanta, Georgia.

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.

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