WallStSmart

Carter Bank and Trust (CARE)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 53270% more annual revenue ($138.19B vs $258.92M). CARE leads profitability with a 41.8% profit margin vs 33.3%. CARE trades at a lower P/E of 5.8x. CARE earns a higher WallStSmart Score of 76/100 (B+).

CARE

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 8.0Value: 6.7Quality: 3.8
Piotroski: 5/9Altman Z: -0.68

ITUB

Strong Buy

74

out of 100

Grade: B

Growth: 5.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CARE6 strengths · Avg: 10.0/10
P/E RatioValuation
5.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
41.8%10/10

Keeps 42 of every $100 in revenue as profit

Operating MarginProfitability
79.1%10/10

Strong operational efficiency at 79.1%

Revenue GrowthGrowth
260.0%10/10

Revenue surging 260.0% year-over-year

EPS GrowthGrowth
901.0%10/10

Earnings expanding 901.0% YoY

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
33.1%10/10

Strong operational efficiency at 33.1%

Market CapQuality
$86.63B9/10

Large-cap with strong market position

Return on EquityProfitability
21.2%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

CARE2 concerns · Avg: 2.5/10
Market CapQuality
$631.11M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.682/10

Distress zone — elevated risk

ITUB4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Free Cash FlowQuality
$-5.87B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
4.991/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CARE

The strongest argument for CARE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.8% and operating margin at 79.1%. Revenue growth of 260.0% 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 1.32 suggests the stock is reasonably priced for its growth.

Bear Case : CARE

The primary concerns for CARE are Market Cap, 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

CARE profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.

CARE carries more volatility with a beta of 0.51 — expect wider price swings.

CARE is growing revenue faster at 260.0% — sustainability is the question.

CARE generates stronger free cash flow (302M), providing more financial flexibility.

Bottom Line

CARE scores higher overall (76/100 vs 74/100), backed by strong 41.8% margins and 260.0% 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.

Carter Bank and Trust

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Carter Bankshares, Inc. is the banking holding company for Carter Bank & Trust offering a variety of banking products and services. The company is headquartered in Martinsville, Virginia.

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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