WallStSmart

Atlantic Union Bankshares Corp (AUB)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 11173% more annual revenue ($138.95B vs $1.23B). ITUB leads profitability with a 32.3% profit margin vs 22.2%. AUB appears more attractively valued with a PEG of 1.09. AUB earns a higher WallStSmart Score of 79/100 (B+).

AUB

Strong Buy

79

out of 100

Grade: B+

Growth: 9.3Profit: 6.5Value: 10.0Quality: 5.3
Piotroski: 3/9Altman Z: 0.34

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AUBUndervalued (+56.8%)

Margin of Safety

+56.8%

Fair Value

$95.00

Current Price

$35.33

$59.67 discount

UndervaluedFair: $95.00Overvalued
ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AUB6 strengths · Avg: 9.2/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
53.4%10/10

Strong operational efficiency at 53.4%

Revenue GrowthGrowth
91.5%10/10

Revenue surging 91.5% year-over-year

Profit MarginProfitability
22.2%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
17.2x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.8%8/10

Earnings expanding 29.8% YoY

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Areas to Watch

AUB3 concerns · Avg: 2.7/10
Return on EquityProfitability
6.7%3/10

ROE of 6.7% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Comparative Analysis Report

WallStSmart Research

Bull Case : AUB

The strongest argument for AUB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.2% and operating margin at 53.4%. Revenue growth of 91.5% demonstrates continued momentum.

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 : AUB

The primary concerns for AUB are Return on Equity, Piotroski F-Score, Altman Z-Score.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Key Dynamics to Monitor

AUB profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.

AUB carries more volatility with a beta of 0.81 — expect wider price swings.

AUB is growing revenue faster at 91.5% — sustainability is the question.

ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.

Bottom Line

AUB scores higher overall (79/100 vs 76/100), backed by strong 22.2% margins and 91.5% revenue growth. Both earn "Strong 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.

Atlantic Union Bankshares Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Atlantic Union Bankshares Corporation is the holding company of Atlantic Union Bank providing related banking and financial services to consumers and businesses. The company is headquartered in Richmond, Virginia.

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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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