WallStSmart

Primis Financial Corp (FRST)vsItau Unibanco Banco Holding SA (ITUB)

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Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 65006% more annual revenue ($143.71B vs $220.74M). ITUB leads profitability with a 32.6% profit margin vs 24.9%. FRST trades at a lower P/E of 6.7x. ITUB earns a higher WallStSmart Score of 79/100 (B+).

FRST

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: -0.37

ITUB

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 4.8
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRST6 strengths · Avg: 8.8/10
P/E RatioValuation
6.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
24.0%8/10

Strong operational efficiency at 24.0%

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
26.2%8/10

Earnings expanding 26.2% YoY

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
9.1x10/10

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%

Market CapQuality
$78.59B9/10

Large-cap with strong market position

Return on EquityProfitability
20.9%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

FRST2 concerns · Avg: 2.5/10
Market CapQuality
$367.52M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.372/10

Distress zone — elevated risk

ITUB2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-10.62B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : FRST

The strongest argument for FRST centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.9% and operating margin at 24.0%. Revenue growth of 17.1% 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 : FRST

The primary concerns for FRST are Market Cap, Altman Z-Score.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

FRST carries more volatility with a beta of 0.73 — expect wider price swings.

ITUB is growing revenue faster at 17.5% — sustainability is the question.

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

Bottom Line

ITUB scores higher overall (79/100 vs 71/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.

Primis Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Primis Financial Corp. The company is headquartered in McLean, Virginia.

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.

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