First Merchants Corporation Depository Shares (FRMEP)vsItau Unibanco Banco Holding SA (ITUB)
FRMEP
First Merchants Corporation Depository Shares
$25.12
-0.28%
FINANCIAL SERVICES · Cap: $2.42B
ITUB
Itau Unibanco Banco Holding SA
$8.59
+1.70%
FINANCIAL SERVICES · Cap: $90.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 22279% more annual revenue ($143.71B vs $642.19M). ITUB leads profitability with a 32.6% profit margin vs 29.0%. FRMEP trades at a lower P/E of 6.6x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
FRMEP
Hold43
out of 100
Grade: D
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 34.3%
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Areas to Watch
2.8% revenue growth
ROE of 7.4% — below average capital efficiency
Earnings declined 28.7%
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FRMEP
The strongest argument for FRMEP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 34.3%.
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 : FRMEP
The primary concerns for FRMEP are Revenue Growth, Return on Equity, EPS Growth.
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
FRMEP profiles as a value stock while ITUB is a growth play — different risk/reward profiles.
FRMEP carries more volatility with a beta of 0.85 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 43/100), 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.
First Merchants Corporation Depository Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Merchants Corporation Depository Shares (FRMEP) represent a robust investment opportunity in the Midwest's financial services landscape, underpinned by a strong regional banking institution. The company delivers a wide array of financial services, encompassing commercial banking, consumer lending, and wealth management, tailored to meet the diverse needs of its clientele. With a proactive approach to community engagement and a commitment to sustainable growth, First Merchants emphasizes enhancing shareholder value while ensuring resilience against market fluctuations. This strategic orientation positions First Merchants as an attractive option for institutional investors aiming for dependable returns in a dynamic economic environment.
Visit Website →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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?