Alerus Financial Corp (ALRS)vsItau Unibanco Banco Holding SA (ITUB)
ALRS
Alerus Financial Corp
$24.09
+0.33%
FINANCIAL SERVICES · Cap: $593.63M
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 61980% more annual revenue ($138.95B vs $223.82M). ITUB leads profitability with a 32.3% profit margin vs 7.8%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ALRS
Hold42
out of 100
Grade: D
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+21.4%
Fair Value
$31.82
Current Price
$24.09
$7.73 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 150.0% YoY
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
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
7.8% margin — thin
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : ALRS
The strongest argument for ALRS centers on Price/Book, EPS Growth.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : ALRS
The primary concerns for ALRS are P/E Ratio, Market Cap, Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
ALRS profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
ALRS carries more volatility with a beta of 0.62 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 42/100), backed by strong 32.3% margins and 11.0% revenue growth. ALRS offers better value entry with a 21.4% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Alerus Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company is headquartered in Grand Forks, North Dakota.
Visit Website →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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