BankUnited Inc (BKU)vsItau Unibanco Banco Holding SA (ITUB)
BKU
BankUnited Inc
$45.35
+1.55%
FINANCIAL SERVICES · Cap: $3.36B
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 13452% more annual revenue ($138.95B vs $1.03B). ITUB leads profitability with a 32.3% profit margin vs 26.2%. BKU appears more attractively valued with a PEG of 0.27. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BKU
Strong Buy65
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-104.8%
Fair Value
$24.07
Current Price
$45.35
$21.28 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
Reasonable price relative to book value
Strong operational efficiency at 36.6%
Keeps 26 of every $100 in revenue as profit
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
3.6% revenue growth
Earnings declined 1.7%
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BKU
The strongest argument for BKU centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.2% and operating margin at 36.6%. PEG of 0.27 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 : BKU
The primary concerns for BKU are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BKU profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
BKU carries more volatility with a beta of 1.28 — 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 65/100), backed by strong 32.3% margins and 11.0% 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.
BankUnited Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
BankUnited, Inc. is the banking holding company for BankUnited, a national banking association offering a range of banking services in the United States. The company is headquartered in Miami Lakes, Florida.
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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