Bank of Hawaii Corporation (BOH)vsItau Unibanco Banco Holding SA (ITUB)
BOH
Bank of Hawaii Corporation
$74.00
+0.79%
FINANCIAL SERVICES · Cap: $2.80B
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 19605% more annual revenue ($138.95B vs $705.13M). ITUB leads profitability with a 32.3% profit margin vs 29.2%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BOH
Strong Buy75
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.4%
Fair Value
$216.68
Current Price
$74.00
$142.68 discount
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
Strong operational efficiency at 42.7%
Earnings expanding 63.4% YoY
Conservative balance sheet, low leverage
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Expensive relative to growth rate
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BOH
The strongest argument for BOH centers on Operating Margin, EPS Growth, Debt/Equity. Profitability is solid with margins at 29.2% and operating margin at 42.7%. Revenue growth of 17.4% 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 : BOH
The primary concerns for BOH are PEG Ratio, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BOH profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
BOH carries more volatility with a beta of 0.72 — expect wider price swings.
BOH is growing revenue faster at 17.4% — 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 75/100), backed by strong 32.3% margins and 11.0% revenue growth. BOH offers better value entry with a 64.4% margin of safety. 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.
Bank of Hawaii Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank of Hawaii Corporation is the bank holding company for Bank of Hawaii, offering a variety of financial products and services in Hawaii, Guam, and other Pacific Islands. The company is headquartered in Honolulu, Hawaii.
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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