Bank First National Corp (BFC)vsItau Unibanco Banco Holding SA (ITUB)
BFC
Bank First National Corp
$132.56
-0.83%
FINANCIAL SERVICES · Cap: $1.48B
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 80389% more annual revenue ($138.95B vs $172.63M). BFC leads profitability with a 41.4% profit margin vs 32.3%. BFC appears more attractively valued with a PEG of 0.10. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BFC
Buy61
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-15.2%
Fair Value
$127.65
Current Price
$132.56
$4.91 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
Growing faster than its price suggests
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 53.9%
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BFC
The strongest argument for BFC centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 41.4% and operating margin at 53.9%. PEG of 0.10 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : BFC
The primary concerns for BFC are Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BFC carries more volatility with a beta of 0.41 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 61/100), backed by strong 32.3% margins and 11.0% 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.
Bank First National Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank First Corporation is a Bank First NA holding company providing business and consumer financial services to businesses, professionals and consumers in Wisconsin. The company is headquartered in Manitowoc, Wisconsin.
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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