First Capital Inc (FCAP)vsItau Unibanco Banco Holding SA (ITUB)
FCAP
First Capital Inc
$61.12
+0.99%
FINANCIAL SERVICES · Cap: $221.27M
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 268243% more annual revenue ($138.19B vs $51.50M). FCAP leads profitability with a 33.9% 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).
FCAP
Buy61
out of 100
Grade: C+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 40.9%
Attractively priced relative to earnings
18.3% revenue growth
Earnings expanding 34.3% YoY
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
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 : FCAP
The strongest argument for FCAP centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 40.9%. Revenue growth of 18.3% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : FCAP
The primary concerns for FCAP are Market Cap, 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
FCAP profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
FCAP carries more volatility with a beta of 0.74 — expect wider price swings.
FCAP is growing revenue faster at 18.3% — sustainability is the question.
FCAP generates stronger free cash flow (6M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 61/100), 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.
First Capital Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Capital, Inc. is the banking holding company for First Harrison Bank providing various banking services to individuals and commercial clients. The company is headquartered in Corydon, Indiana.
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?