Enterprise Financial Services (EFSC)vsItau Unibanco Banco Holding SA (ITUB)
EFSC
Enterprise Financial Services
$62.43
0.00%
FINANCIAL SERVICES · Cap: $2.23B
ITUB
Itau Unibanco Banco Holding SA
$7.37
-0.47%
FINANCIAL SERVICES · Cap: $104.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 20320% more annual revenue ($143.71B vs $703.80M). ITUB leads profitability with a 32.6% profit margin vs 26.7%. EFSC appears more attractively valued with a PEG of 1.23. ITUB earns a higher WallStSmart Score of 77/100 (B+).
EFSC
Buy63
out of 100
Grade: C+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 31.5%
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Areas to Watch
4.9% revenue growth
Earnings declined 4.2%
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : EFSC
The strongest argument for EFSC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 31.5%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : EFSC
The primary concerns for EFSC are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
EFSC profiles as a value stock while ITUB is a growth play — different risk/reward profiles.
EFSC carries more volatility with a beta of 0.83 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 63/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
Enterprise Financial Services
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Enterprise Financial Services Corp is the financial holding company of Enterprise Bank & Trust offering banking and wealth management services to individual and corporate clients. The company is headquartered in Clayton, Missouri.
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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