Enterprise Financial Services (EFSC)vsItau Unibanco Banco Holding SA (ITUB)
EFSC
Enterprise Financial Services
$54.32
+0.26%
FINANCIAL SERVICES · Cap: $2.01B
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 20524% more annual revenue ($138.95B vs $673.72M). ITUB leads profitability with a 32.3% profit margin vs 29.9%. EFSC appears more attractively valued with a PEG of 1.23. EFSC earns a higher WallStSmart Score of 78/100 (B+).
EFSC
Strong Buy78
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.3%
Fair Value
$149.10
Current Price
$54.32
$94.78 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
Strong operational efficiency at 40.6%
Keeps 30 of every $100 in revenue as profit
17.5% revenue growth
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
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : EFSC
The strongest argument for EFSC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.9% and operating margin at 40.6%. Revenue growth of 17.5% 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 : EFSC
The primary concerns for EFSC are Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
EFSC profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
EFSC carries more volatility with a beta of 0.79 — expect wider price swings.
EFSC is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
EFSC scores higher overall (78/100 vs 76/100), backed by strong 29.9% margins and 17.5% 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.
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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