Customers Bancorp Inc (CUBI)vsItau Unibanco Banco Holding SA (ITUB)
CUBI
Customers Bancorp Inc
$69.37
+1.83%
FINANCIAL SERVICES · Cap: $2.37B
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 19189% more annual revenue ($138.95B vs $720.35M). ITUB leads profitability with a 32.3% profit margin vs 31.1%. CUBI appears more attractively valued with a PEG of 1.18. CUBI earns a higher WallStSmart Score of 83/100 (A-).
CUBI
Exceptional Buy83
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+76.2%
Fair Value
$298.58
Current Price
$69.37
$229.21 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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 49.5%
Revenue surging 46.8% year-over-year
Earnings expanding 177.4% 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
No major concerns identified
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : CUBI
The strongest argument for CUBI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.1% and operating margin at 49.5%. Revenue growth of 46.8% 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 : CUBI
No major red flags identified for CUBI, but monitor valuation.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
CUBI profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
CUBI carries more volatility with a beta of 1.64 — expect wider price swings.
CUBI is growing revenue faster at 46.8% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
CUBI scores higher overall (83/100 vs 76/100), backed by strong 31.1% margins and 46.8% revenue growth. Both earn "Exceptional 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.
Customers Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Clients Bancorp, Inc. is the banking holding company for Clients Bank providing financial products and services to individual consumers and small and medium market businesses. The company is headquartered in West Reading, Pennsylvania.
Visit Website →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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