Five Star Bancorp (FSBC)vsItau Unibanco Banco Holding SA (ITUB)
FSBC
Five Star Bancorp
$37.40
-0.27%
FINANCIAL SERVICES · Cap: $777.24M
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 93316% more annual revenue ($138.95B vs $148.74M). FSBC leads profitability with a 41.4% profit margin vs 32.3%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FSBC
Strong Buy68
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.4%
Fair Value
$135.72
Current Price
$37.40
$98.32 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 41 of every $100 in revenue as profit
Strong operational efficiency at 57.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 20.1% year-over-year
Earnings expanding 32.6% 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
Smaller company, higher risk/reward
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FSBC
The strongest argument for FSBC centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 41.4% and operating margin at 57.9%. Revenue growth of 20.1% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : FSBC
The primary concerns for FSBC are Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FSBC profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FSBC carries more volatility with a beta of 0.51 — expect wider price swings.
FSBC is growing revenue faster at 20.1% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 68/100), backed by strong 32.3% margins and 11.0% revenue growth. FSBC offers better value entry with a 70.4% 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.
Five Star Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Five Star Bancorp is the banking holding company for Five Star Bank offering a range of banking products and services to small and medium-sized businesses, professionals and individuals. The company is headquartered in Rancho Cordova, California.
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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