Glacier Bancorp Inc (GBCI)vsItau Unibanco Banco Holding SA (ITUB)
GBCI
Glacier Bancorp Inc
$47.15
-0.06%
FINANCIAL SERVICES · Cap: $6.50B
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 13223% more annual revenue ($138.19B vs $1.04B). ITUB leads profitability with a 33.3% profit margin vs 25.7%. ITUB appears more attractively valued with a PEG of 1.32. GBCI earns a higher WallStSmart Score of 77/100 (B+).
GBCI
Strong Buy77
out of 100
Grade: B+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 41.5%
Revenue surging 39.7% year-over-year
Keeps 26 of every $100 in revenue as profit
Earnings expanding 31.3% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
ROE of 6.3% — below average capital efficiency
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : GBCI
The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.7% and operating margin at 41.5%. Revenue growth of 39.7% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : GBCI
The primary concerns for GBCI are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
GBCI profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
GBCI carries more volatility with a beta of 0.74 — expect wider price swings.
GBCI is growing revenue faster at 39.7% — sustainability is the question.
GBCI generates stronger free cash flow (74M), providing more financial flexibility.
Bottom Line
GBCI scores higher overall (77/100 vs 74/100), backed by strong 25.7% margins and 39.7% 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.
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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