WallStSmart

Eagle Bancorp Inc (EGBN)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 103475% more annual revenue ($143.71B vs $138.75M). ITUB leads profitability with a 32.6% profit margin vs -34.8%. ITUB appears more attractively valued with a PEG of 1.26. ITUB earns a higher WallStSmart Score of 77/100 (B+).

EGBN

Buy

63

out of 100

Grade: C+

Growth: 9.3Profit: 3.5Value: 4.7Quality: 4.5
Piotroski: 2/9Altman Z: 0.35

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EGBN5 strengths · Avg: 9.4/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
35.3%10/10

Revenue surging 35.3% year-over-year

EPS GrowthGrowth
768.0%10/10

Earnings expanding 768.0% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
24.2%8/10

Strong operational efficiency at 24.2%

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

EGBN4 concerns · Avg: 3.0/10
PEG RatioValuation
1.714/10

Expensive relative to growth rate

Market CapQuality
$831.91M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-3.3%2/10

ROE of -3.3% — below average capital efficiency

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : EGBN

The strongest argument for EGBN centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 35.3% 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : EGBN

The primary concerns for EGBN are PEG Ratio, Market Cap, Piotroski F-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

EGBN profiles as a hypergrowth stock while ITUB is a growth play — different risk/reward profiles.

EGBN carries more volatility with a beta of 0.96 — expect wider price swings.

EGBN is growing revenue faster at 35.3% — 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.

Eagle Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Eagle Bancorp, Inc. is EagleBank's banking holding company providing consumer and commercial banking services primarily in the United States. The company is headquartered in Bethesda, Maryland.

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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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