First Commonwealth Financial (FCF)vsItau Unibanco Banco Holding SA (ITUB)
FCF
First Commonwealth Financial
$17.29
+0.52%
FINANCIAL SERVICES · Cap: $1.75B
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 28517% more annual revenue ($138.95B vs $485.53M). ITUB leads profitability with a 32.3% profit margin vs 31.4%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FCF
Strong Buy76
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.2%
Fair Value
$63.62
Current Price
$17.29
$46.33 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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 46.5%
Conservative balance sheet, low leverage
Earnings expanding 22.8% YoY
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
Smaller company, higher risk/reward
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FCF
The strongest argument for FCF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.4% and operating margin at 46.5%. Revenue growth of 14.8% 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 : FCF
The primary concerns for FCF are Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FCF carries more volatility with a beta of 0.78 — expect wider price swings.
FCF is growing revenue faster at 14.8% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FCF scores higher overall (76/100 vs 76/100), backed by strong 31.4% margins and 14.8% 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.
First Commonwealth Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in Indiana, Pennsylvania.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?