Grupo Cibest S.A. (CIB)vsItau Unibanco Banco Holding SA (ITUB)
CIB
Grupo Cibest S.A.
$72.95
+2.50%
FINANCIAL SERVICES · Cap: $18.50B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Cibest S.A. generates 17687% more annual revenue ($24.71T vs $138.95B). ITUB leads profitability with a 32.3% profit margin vs 16.2%. CIB appears more attractively valued with a PEG of 0.43. ITUB earns a higher WallStSmart Score of 76/100 (B+).
CIB
Buy63
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.0%
Fair Value
$359.89
Current Price
$72.95
$286.94 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 43.9% YoY
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
Operating margin of 0.0%
Revenue declined 0.2%
Negative free cash flow — burning cash
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : CIB
The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 16.2%. PEG of 0.43 suggests the stock is reasonably priced for its growth.
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 : CIB
The primary concerns for CIB are Operating Margin, Revenue Growth, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
CIB profiles as a declining stock while ITUB is a mature play — different risk/reward profiles.
CIB carries more volatility with a beta of 0.80 — 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 63/100), backed by strong 32.3% margins and 11.0% revenue growth. CIB offers better value entry with a 78.0% margin of safety. 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.
Grupo Cibest S.A.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bancolombia SA offers various banking products and services to individual and corporate clients in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica and Guatemala. The company is headquartered in Medelln, Colombia.
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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