Bar Harbor Bankshares Inc (BHB)vsItau Unibanco Banco Holding SA (ITUB)
BHB
Bar Harbor Bankshares Inc
$32.11
+0.34%
FINANCIAL SERVICES · Cap: $524.53M
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 84932% more annual revenue ($138.95B vs $163.41M). ITUB leads profitability with a 32.3% profit margin vs 22.6%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BHB
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
-120.4%
Fair Value
$15.71
Current Price
$32.11
$16.40 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
Strong operational efficiency at 41.6%
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 28.9% year-over-year
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 7.4% — below average capital efficiency
Weak financial health signals
Earnings declined 1.3%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BHB
The strongest argument for BHB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 22.6% and operating margin at 41.6%. Revenue growth of 28.9% 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 : BHB
The primary concerns for BHB are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BHB profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
BHB carries more volatility with a beta of 0.60 — expect wider price swings.
BHB is growing revenue faster at 28.9% — 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 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.
Bar Harbor Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bar Harbor Bankshares is the holding company of Bar Harbor Bank & Trust providing commercial banking, retail and wealth management services. The company is headquartered in Bar Harbor, Maine.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?