Commerce Bancshares Inc (CBSH)vsItau Unibanco Banco Holding SA (ITUB)
CBSH
Commerce Bancshares Inc
$53.05
+1.14%
FINANCIAL SERVICES · Cap: $8.14B
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 7654% more annual revenue ($138.19B vs $1.78B). ITUB leads profitability with a 33.3% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
CBSH
Buy65
out of 100
Grade: C+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 39.7%
Attractively priced relative to earnings
Reasonable price relative to book value
17.3% revenue growth
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
Expensive relative to growth rate
3.1% earnings growth
Weak financial health signals
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CBSH
The strongest argument for CBSH centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 32.3% and operating margin at 39.7%. Revenue growth of 17.3% 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 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : CBSH
The primary concerns for CBSH are PEG Ratio, EPS Growth, Piotroski F-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
CBSH profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
CBSH carries more volatility with a beta of 0.60 — expect wider price swings.
CBSH is growing revenue faster at 17.3% — sustainability is the question.
CBSH generates stronger free cash flow (678M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 65/100), backed by strong 33.3% margins. 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.
Commerce Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.
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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