WallStSmart

CrossFirst Bankshares Inc (CFB)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 55028% more annual revenue ($138.19B vs $250.66M). ITUB leads profitability with a 33.3% profit margin vs 31.3%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).

CFB

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: -0.21

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

CFB6 strengths · Avg: 9.5/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.3%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
48.6%10/10

Strong operational efficiency at 48.6%

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
27.4%8/10

Earnings expanding 27.4% 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

CFB2 concerns · Avg: 2.5/10
Market CapQuality
$788.64M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.212/10

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 : CFB

The strongest argument for CFB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 48.6%. Revenue growth of 13.9% 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 : CFB

The primary concerns for CFB 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

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

CFB carries more volatility with a beta of 1.12 — expect wider price swings.

CFB is growing revenue faster at 13.9% — sustainability is the question.

CFB generates stronger free cash flow (31M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 66/100), backed by strong 33.3% margins. 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.

CrossFirst Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

CrossFirst Bankshares, Inc. is the banking holding company for CrossFirst Bank providing various banking and financial services to businesses, business owners, professionals, and their personal networks. The company is headquartered in Leawood, Kansas.

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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