Flushing Financial Corporation (FFIC)vsItau Unibanco Banco Holding SA (ITUB)
FFIC
Flushing Financial Corporation
$15.03
-0.46%
FINANCIAL SERVICES · Cap: $501.48M
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 61342% more annual revenue ($138.95B vs $226.14M). ITUB leads profitability with a 32.3% profit margin vs 8.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FFIC
Buy58
out of 100
Grade: C
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-328.1%
Fair Value
$3.84
Current Price
$15.03
$11.19 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
Reasonable price relative to book value
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
Moderate valuation
0.2% earnings growth
Smaller company, higher risk/reward
ROE of 2.6% — below average capital efficiency
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FFIC
The strongest argument for FFIC centers on Price/Book. Revenue growth of 13.3% demonstrates continued momentum. PEG of 1.34 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 : FFIC
The primary concerns for FFIC are P/E Ratio, EPS Growth, Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FFIC profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
FFIC carries more volatility with a beta of 0.83 — expect wider price swings.
FFIC is growing revenue faster at 13.3% — 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 58/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Flushing Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Flushing Financial Corporation is the banking holding company for Flushing Bank offering banking products and services primarily to consumers, businesses and government units. The company is headquartered in Uniondale, New York.
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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