WallStSmart

Finwise Bancorp (FINW)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 122942% more annual revenue ($143.71B vs $116.80M). ITUB leads profitability with a 32.6% profit margin vs 11.7%. ITUB trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).

FINW

Hold

49

out of 100

Grade: D+

Growth: 6.7Profit: 5.0Value: 6.0Quality: 4.0
Piotroski: 2/9Altman Z: -0.16

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FINW3 strengths · Avg: 9.3/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
55.7%10/10

Revenue surging 55.7% year-over-year

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

FINW4 concerns · Avg: 2.8/10
Market CapQuality
$194.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
8.0%3/10

ROE of 8.0% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-48.3%2/10

Earnings declined 48.3%

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FINW

The strongest argument for FINW centers on Price/Book, Revenue Growth, P/E Ratio. Revenue growth of 55.7% 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : FINW

The primary concerns for FINW are Market Cap, Return on Equity, Piotroski F-Score.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

FINW carries more volatility with a beta of 0.71 — expect wider price swings.

FINW is growing revenue faster at 55.7% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ITUB scores higher overall (77/100 vs 49/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Finwise Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

FinWise Bancorp is FinWise Bank's banking holding company that offers various banking services to individual and corporate clients. The company is headquartered in Murray, Utah.

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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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