Enterprise Financial Services (EFSC)vsItau Unibanco Banco Holding SA (ITUB)
EFSC
Enterprise Financial Services
$61.35
+0.50%
FINANCIAL SERVICES · Cap: $2.35B
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 19821% more annual revenue ($138.19B vs $693.68M). ITUB leads profitability with a 33.3% profit margin vs 28.9%. EFSC appears more attractively valued with a PEG of 1.23. ITUB earns a higher WallStSmart Score of 74/100 (B).
EFSC
Strong Buy69
out of 100
Grade: B-
ITUB
Strong Buy74
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 35.3%
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Earnings declined 0.8%
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
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 28.9% and operating margin at 35.3%. Revenue growth of 12.6% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : EFSC
The primary concerns for EFSC are EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
EFSC profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
EFSC carries more volatility with a beta of 0.82 — expect wider price swings.
EFSC is growing revenue faster at 12.6% — sustainability is the question.
EFSC generates stronger free cash flow (57M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 69/100), backed by strong 33.3% margins. 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.
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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