Columbia Banking System Inc (COLB)vsItau Unibanco Banco Holding SA (ITUB)
COLB
Columbia Banking System Inc
$27.60
+0.73%
FINANCIAL SERVICES · Cap: $8.16B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 6360% more annual revenue ($138.95B vs $2.15B). ITUB leads profitability with a 32.3% profit margin vs 25.6%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
COLB
Strong Buy74
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+16.9%
Fair Value
$38.05
Current Price
$27.60
$10.45 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 52.9%
Revenue surging 51.2% year-over-year
Keeps 26 of every $100 in revenue as profit
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
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : COLB
The strongest argument for COLB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.6% and operating margin at 52.9%. Revenue growth of 51.2% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : COLB
The primary concerns for COLB are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
COLB profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
COLB carries more volatility with a beta of 0.68 — expect wider price swings.
COLB is growing revenue faster at 51.2% — 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 74/100), backed by strong 32.3% margins and 11.0% revenue growth. COLB offers better value entry with a 16.9% margin of safety. 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.
Columbia Banking System Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Columbia Banking System, Inc. is the banking holding company for Columbia State Bank providing a range of banking services to small and medium-sized businesses, professionals, and individuals in Washington, Oregon, and Idaho. The company is headquartered in Tacoma, Washington.
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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