First Citizens BancShares Inc (FCNCA)vsItau Unibanco Banco Holding SA (ITUB)
FCNCA
First Citizens BancShares Inc
$1,857.42
+0.05%
FINANCIAL SERVICES · Cap: $22.36B
ITUB
Itau Unibanco Banco Holding SA
$8.14
+3.83%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1438% more annual revenue ($138.95B vs $9.04B). ITUB leads profitability with a 32.3% profit margin vs 24.4%. FCNCA appears more attractively valued with a PEG of 0.99. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FCNCA
Strong Buy67
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-87.0%
Fair Value
$1123.97
Current Price
$1857.42
$733.45 premium
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.14
$0.55 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.6%
Keeps 24 of every $100 in revenue as profit
Growing faster than its price suggests
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
Weak financial health signals
Earnings declined 6.9%
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FCNCA
The strongest argument for FCNCA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.4% and operating margin at 37.6%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
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 : FCNCA
The primary concerns for FCNCA are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FCNCA carries more volatility with a beta of 0.66 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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
ITUB scores higher overall (76/100 vs 67/100), backed by strong 32.3% margins and 11.0% 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 Citizens BancShares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, North Carolina.
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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