First United Corporation (FUNC)vsItau Unibanco Banco Holding SA (ITUB)
FUNC
First United Corporation
$45.83
-0.43%
FINANCIAL SERVICES · Cap: $284.49M
ITUB
Itau Unibanco Banco Holding SA
$7.41
-3.52%
FINANCIAL SERVICES · Cap: $104.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 156978% more annual revenue ($143.71B vs $91.49M). ITUB leads profitability with a 32.6% profit margin vs 27.6%. FUNC appears more attractively valued with a PEG of 0.33. ITUB earns a higher WallStSmart Score of 77/100 (B+).
FUNC
Buy63
out of 100
Grade: C+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.9%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
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
Attractively priced relative to earnings
Areas to Watch
4.8% revenue growth
3.9% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FUNC
The strongest argument for FUNC centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 27.6% and operating margin at 41.9%. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : FUNC
The primary concerns for FUNC are Revenue Growth, EPS Growth, Market Cap.
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
FUNC profiles as a value stock while ITUB is a growth play — different risk/reward profiles.
FUNC carries more volatility with a beta of 0.51 — 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 63/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "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.
First United Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First United Corporation is the banking holding company for First United Bank & Trust providing various retail and commercial banking services to businesses and individuals. The company is headquartered in Oakland, Maryland.
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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