Glacier Bancorp Inc (GBCI)vsItau Unibanco Banco Holding SA (ITUB)
GBCI
Glacier Bancorp Inc
$44.63
-0.09%
FINANCIAL SERVICES · Cap: $5.81B
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 14484% more annual revenue ($138.95B vs $952.72M). ITUB leads profitability with a 32.3% profit margin vs 25.1%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
GBCI
Buy65
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-282.1%
Fair Value
$13.53
Current Price
$44.63
$31.10 premium
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
Reasonable price relative to book value
Strong operational efficiency at 34.8%
Keeps 25 of every $100 in revenue as profit
Revenue surging 24.5% year-over-year
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
ROE of 6.4% — below average capital efficiency
Earnings declined 11.2%
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : GBCI
The strongest argument for GBCI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.1% and operating margin at 34.8%. Revenue growth of 24.5% 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 : GBCI
The primary concerns for GBCI are PEG Ratio, Return on Equity, EPS Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
GBCI profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
GBCI carries more volatility with a beta of 0.75 — expect wider price swings.
GBCI is growing revenue faster at 24.5% — 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 65/100), backed by strong 32.3% margins and 11.0% 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.
Glacier Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.
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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