Dime Community Bancshares Inc (DCOM)vsItau Unibanco Banco Holding SA (ITUB)
DCOM
Dime Community Bancshares Inc
$33.32
-0.27%
FINANCIAL SERVICES · Cap: $1.46B
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 33798% more annual revenue ($138.95B vs $409.90M). ITUB leads profitability with a 32.3% profit margin vs 27.0%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
DCOM
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
+67.8%
Fair Value
$110.45
Current Price
$33.32
$77.13 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
Reasonable price relative to book value
Strong operational efficiency at 46.4%
Revenue surging 159.4% year-over-year
Earnings expanding 103.1% YoY
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Expensive relative to growth rate
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : DCOM
The strongest argument for DCOM centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.0% and operating margin at 46.4%. Revenue growth of 159.4% 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 : DCOM
The primary concerns for DCOM are Market Cap, Return on Equity, PEG Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
DCOM profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
DCOM carries more volatility with a beta of 1.10 — expect wider price swings.
DCOM is growing revenue faster at 159.4% — 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. DCOM offers better value entry with a 67.8% 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.
Dime Community Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.
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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