WallStSmart

East West Bancorp Inc (EWBC)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 5052% more annual revenue ($138.95B vs $2.70B). EWBC leads profitability with a 49.1% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).

EWBC

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 8.0Value: 7.3Quality: 5.0
Piotroski: 6/9

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EWBCUndervalued (+69.5%)

Margin of Safety

+69.5%

Fair Value

$390.70

Current Price

$106.77

$283.93 discount

UndervaluedFair: $390.70Overvalued
ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EWBC6 strengths · Avg: 9.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Profit MarginProfitability
49.1%10/10

Keeps 49 of every $100 in revenue as profit

Operating MarginProfitability
66.2%10/10

Strong operational efficiency at 66.2%

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
21.3%8/10

Revenue surging 21.3% year-over-year

EPS GrowthGrowth
21.4%8/10

Earnings expanding 21.4% YoY

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Areas to Watch

EWBC1 concerns · Avg: 2.0/10
PEG RatioValuation
5.582/10

Expensive relative to growth rate

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Comparative Analysis Report

WallStSmart Research

Bull Case : EWBC

The strongest argument for EWBC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 49.1% and operating margin at 66.2%. Revenue growth of 21.3% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.

Bear Case : EWBC

The primary concerns for EWBC are PEG Ratio.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Key Dynamics to Monitor

EWBC profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.

EWBC carries more volatility with a beta of 0.90 — expect wider price swings.

EWBC is growing revenue faster at 21.3% — sustainability is the question.

ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (76/100 vs 74/100), backed by strong 32.3% margins and 11.0% revenue growth. EWBC offers better value entry with a 69.5% margin of safety. 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.

East West Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

East West Bancorp, Inc. is the banking holding company for East West Bank providing a range of personal and commercial banking services to businesses and individuals in the United States and Greater China. The company is headquartered in Pasadena, California.

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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