Eastern Bankshares Inc (EBC)vsItau Unibanco Banco Holding SA (ITUB)
EBC
Eastern Bankshares Inc
$19.38
+1.25%
FINANCIAL SERVICES · Cap: $4.31B
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 19851% more annual revenue ($138.95B vs $696.45M). ITUB leads profitability with a 32.3% profit margin vs 12.7%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
EBC
Strong Buy67
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-7.0%
Fair Value
$20.12
Current Price
$19.38
$0.74 premium
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 62.1%
Revenue surging 32.8% year-over-year
Earnings expanding 54.1% 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
ROE of 2.2% — below average capital efficiency
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : EBC
The strongest argument for EBC centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 32.8% 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 : EBC
The primary concerns for EBC are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 44.5x leaves little room for execution misses.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
EBC profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
EBC carries more volatility with a beta of 0.79 — expect wider price swings.
EBC is growing revenue faster at 32.8% — 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 67/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Eastern Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Eastern Bankshares, Inc. is the banking holding company for Eastern Bank offering commercial banking products and services primarily to retail, commercial and small business clients. The company is headquartered in Boston, Massachusetts.
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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