Amerant Bancorp Inc. (AMTB)vsItau Unibanco Banco Holding SA (ITUB)
AMTB
Amerant Bancorp Inc.
$21.43
+0.47%
FINANCIAL SERVICES · Cap: $877.05M
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 34927% more annual revenue ($138.95B vs $396.69M). ITUB leads profitability with a 32.3% profit margin vs 13.2%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
AMTB
Hold48
out of 100
Grade: D+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-166.6%
Fair Value
$8.57
Current Price
$21.43
$12.86 premium
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
Attractively priced relative to earnings
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
Smaller company, higher risk/reward
ROE of 5.7% — below average capital efficiency
Elevated debt levels
Earnings declined 83.8%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : AMTB
The strongest argument for AMTB centers on Price/Book, P/E Ratio.
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 : AMTB
The primary concerns for AMTB are Market Cap, Return on Equity, Debt/Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
AMTB profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
AMTB carries more volatility with a beta of 0.97 — 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 48/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Amerant Bancorp Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Amerant Bancorp Inc. is the banking holding company for Amerant Bank, NA that provides banking products and services to individuals and businesses in the United States and internationally. The company is headquartered in Coral Gables, Florida.
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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