Flushing Financial Corporation (FFIC)vsItau Unibanco Banco Holding SA (ITUB)
FFIC
Flushing Financial Corporation
$15.47
-3.13%
FINANCIAL SERVICES · Cap: $522.49M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 60677% more annual revenue ($138.19B vs $227.37M). ITUB leads profitability with a 33.3% profit margin vs 15.2%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
FFIC
Buy58
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
Attractively priced relative to earnings
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
2.3% revenue growth
0.2% earnings growth
Smaller company, higher risk/reward
ROE of 5.0% — below average capital efficiency
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FFIC
The strongest argument for FFIC centers on Price/Book, P/E Ratio. Profitability is solid with margins at 15.2% and operating margin at 16.8%. 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : FFIC
The primary concerns for FFIC are Revenue Growth, EPS Growth, Market Cap.
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
FFIC profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
FFIC carries more volatility with a beta of 0.76 — expect wider price swings.
FFIC is growing revenue faster at 2.3% — sustainability is the question.
FFIC generates stronger free cash flow (-10M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 58/100), 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.
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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