WallStSmart

Bank7 Corp (BSVN)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 145127% more annual revenue ($138.95B vs $95.68M). BSVN leads profitability with a 45.0% profit margin vs 32.3%. BSVN trades at a lower P/E of 8.5x. ITUB earns a higher WallStSmart Score of 76/100 (B+).

BSVN

Buy

53

out of 100

Grade: C-

Growth: 4.0Profit: 8.0Value: 5.7Quality: 5.3
Piotroski: 3/9Altman Z: 0.54

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BSVNSignificantly Overvalued (-44.0%)

Margin of Safety

-44.0%

Fair Value

$30.60

Current Price

$39.86

$9.26 premium

UndervaluedFair: $30.60Overvalued
ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BSVN4 strengths · Avg: 9.5/10
P/E RatioValuation
8.5x10/10

Attractively priced relative to earnings

Profit MarginProfitability
45.0%10/10

Keeps 45 of every $100 in revenue as profit

Operating MarginProfitability
59.9%10/10

Strong operational efficiency at 59.9%

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Areas to Watch

BSVN4 concerns · Avg: 2.5/10
Market CapQuality
$364.50M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-0.1%2/10

Revenue declined 0.1%

EPS GrowthGrowth
-3.8%2/10

Earnings declined 3.8%

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Comparative Analysis Report

WallStSmart Research

Bull Case : BSVN

The strongest argument for BSVN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.0% and operating margin at 59.9%.

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 : BSVN

The primary concerns for BSVN are Market Cap, Piotroski F-Score, Revenue Growth.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Key Dynamics to Monitor

BSVN profiles as a declining stock while ITUB is a mature play — different risk/reward profiles.

BSVN carries more volatility with a beta of 0.96 — 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 53/100), 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.

Bank7 Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank7 Corp. The company is headquartered in Oklahoma City, Oklahoma.

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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