Esquire Financial Holdings Inc (ESQ)vsItau Unibanco Banco Holding SA (ITUB)
ESQ
Esquire Financial Holdings Inc
$109.89
+1.33%
FINANCIAL SERVICES · Cap: $933.84M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 96951% more annual revenue ($138.19B vs $142.38M). ESQ leads profitability with a 36.3% profit margin vs 33.3%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ESQ
Buy58
out of 100
Grade: C
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 49.5%
Reasonable price relative to book value
17.0% revenue growth
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
Smaller company, higher risk/reward
Weak financial health signals
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 : ESQ
The strongest argument for ESQ centers on Profit Margin, Operating Margin, Price/Book. Profitability is solid with margins at 36.3% and operating margin at 49.5%. Revenue growth of 17.0% 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 : ESQ
The primary concerns for ESQ are Market Cap, Piotroski F-Score, 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
ESQ profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
ESQ carries more volatility with a beta of 0.40 — expect wider price swings.
ESQ is growing revenue faster at 17.0% — sustainability is the question.
ESQ generates stronger free cash flow (19M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 58/100), backed by strong 33.3% margins. 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.
Esquire Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Esquire Financial Holdings, Inc. is the banking holding company for Esquire Bank, the National Association that provides commercial banking products and services to the legal industry and small businesses, and commercial and retail customers in the United States. The company is headquartered in Jericho, New York.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?