Fifth Third Bancorp (FITB)vsItau Unibanco Banco Holding SA (ITUB)
FITB
Fifth Third Bancorp
$45.81
-0.39%
FINANCIAL SERVICES · Cap: $41.65B
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 1563% more annual revenue ($138.95B vs $8.36B). ITUB leads profitability with a 32.3% profit margin vs 30.2%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FITB
Strong Buy70
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+61.8%
Fair Value
$142.05
Current Price
$45.81
$96.24 discount
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
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 20.9% YoY
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
Expensive relative to growth rate
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FITB
The strongest argument for FITB centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 30.2% and operating margin at 41.1%. Revenue growth of 11.6% 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 : FITB
The primary concerns for FITB are PEG Ratio, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FITB carries more volatility with a beta of 0.97 — expect wider price swings.
FITB is growing revenue faster at 11.6% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 70/100), backed by strong 32.3% margins and 11.0% revenue growth. FITB offers better value entry with a 61.8% margin of safety. 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.
Fifth Third Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fifth Third Bank is a bank headquartered in Cincinnati, Ohio, at Fifth Third Center. It is the principal subsidiary of Fifth Third Bancorp, a diversified bank holding company.
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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