First Interstate BancSystem Inc (FIBK)vsItau Unibanco Banco Holding SA (ITUB)
FIBK
First Interstate BancSystem Inc
$38.09
+0.87%
FINANCIAL SERVICES · Cap: $3.74B
ITUB
Itau Unibanco Banco Holding SA
$8.17
-1.93%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 13186% more annual revenue ($138.19B vs $1.04B). ITUB leads profitability with a 33.3% profit margin vs 30.0%. FIBK appears more attractively valued with a PEG of 1.16. ITUB earns a higher WallStSmart Score of 73/100 (B).
FIBK
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 35.1%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 25.0% YoY
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
3.6% revenue growth
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FIBK
The strongest argument for FIBK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 35.1%. PEG of 1.16 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 1.46 suggests the stock is reasonably priced for its growth.
Bear Case : FIBK
The primary concerns for FIBK are Revenue Growth, Altman Z-Score.
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
FIBK profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
FIBK carries more volatility with a beta of 0.73 — expect wider price swings.
FIBK is growing revenue faster at 3.6% — sustainability is the question.
FIBK generates stronger free cash flow (50M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (73/100 vs 71/100), backed by strong 33.3% margins. 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 Interstate BancSystem Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Interstate BancSystem, Inc. is the banking holding company for First Interstate Bank offering a range of banking products and services in the United States. The company is headquartered in Billings, Montana.
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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