Bar Harbor Bankshares Inc (BHB)vsItau Unibanco Banco Holding SA (ITUB)
BHB
Bar Harbor Bankshares Inc
$39.71
-0.63%
FINANCIAL SERVICES · Cap: $640.22M
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 73644% more annual revenue ($138.19B vs $187.39M). ITUB leads profitability with a 33.3% profit margin vs 26.4%. ITUB trades at a lower P/E of 10.6x. ITUB earns a higher WallStSmart Score of 73/100 (B).
BHB
Strong Buy70
out of 100
Grade: B
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 42.0%
Revenue surging 42.3% year-over-year
Earnings expanding 128.5% YoY
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BHB
The strongest argument for BHB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.4% and operating margin at 42.0%. Revenue growth of 42.3% 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 33.3% and operating margin at 33.1%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bear Case : BHB
The primary concerns for BHB are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
BHB profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
BHB carries more volatility with a beta of 0.59 — expect wider price swings.
BHB is growing revenue faster at 42.3% — sustainability is the question.
BHB generates stronger free cash flow (3M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (73/100 vs 70/100), backed by strong 33.3% margins. 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.
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.
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