CF Bankshares Inc (CFBK)vsItau Unibanco Banco Holding SA (ITUB)
CFBK
CF Bankshares Inc
$29.31
+1.63%
FINANCIAL SERVICES · Cap: $187.41M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 258806% more annual revenue ($138.19B vs $53.37M). CFBK leads profitability with a 34.0% profit margin vs 33.3%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
CFBK
Buy63
out of 100
Grade: C+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.2%
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
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CFBK
The strongest argument for CFBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 44.2%.
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 : CFBK
The primary concerns for CFBK are Market Cap.
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
CFBK profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
CFBK carries more volatility with a beta of 0.41 — expect wider price swings.
CFBK is growing revenue faster at 5.0% — sustainability is the question.
CFBK generates stronger free cash flow (5M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 63/100), 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.
CF Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CF Bankshares Inc. is the banking holding company for CFBank, a National Association that offers various banking products and services in the United States. The company is headquartered in Worthington, Ohio.
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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