First Financial Bancorp (FFBC)vsItau Unibanco Banco Holding SA (ITUB)
FFBC
First Financial Bancorp
$27.64
+1.17%
FINANCIAL SERVICES · Cap: $2.89B
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 16145% more annual revenue ($138.95B vs $855.34M). ITUB leads profitability with a 32.3% profit margin vs 29.9%. FFBC appears more attractively valued with a PEG of 1.12. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FFBC
Strong Buy69
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-68.3%
Fair Value
$18.09
Current Price
$27.64
$9.55 premium
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
Strong operational efficiency at 38.6%
Keeps 30 of every $100 in revenue as profit
Revenue surging 21.6% year-over-year
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 5.8%
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FFBC
The strongest argument for FFBC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.9% and operating margin at 38.6%. Revenue growth of 21.6% 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 : FFBC
The primary concerns for FFBC are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FFBC profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FFBC carries more volatility with a beta of 0.97 — expect wider price swings.
FFBC is growing revenue faster at 21.6% — 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 69/100), 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 Financial Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bancorp. The company is headquartered in Cincinnati, Ohio.
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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