Hanmi Financial Corporation (HAFC)vsItau Unibanco Banco Holding SA (ITUB)
HAFC
Hanmi Financial Corporation
$31.12
+0.58%
FINANCIAL SERVICES · Cap: $912.60M
ITUB
Itau Unibanco Banco Holding SA
$9.44
-0.63%
FINANCIAL SERVICES · Cap: $111.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 51611% more annual revenue ($143.71B vs $277.92M). ITUB leads profitability with a 32.6% profit margin vs 32.2%. ITUB appears more attractively valued with a PEG of 1.33. HAFC earns a higher WallStSmart Score of 80/100 (B+).
HAFC
Strong Buy80
out of 100
Grade: B+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Earnings expanding 58.0% YoY
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
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 45.0%. Revenue growth of 23.3% demonstrates continued momentum.
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 : HAFC
The primary concerns for HAFC are Market Cap, Free Cash Flow, Altman Z-Score.
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
HAFC carries more volatility with a beta of 0.74 — expect wider price swings.
HAFC is growing revenue faster at 23.3% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HAFC scores higher overall (80/100 vs 77/100), backed by strong 32.2% margins and 23.3% 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.
Hanmi Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hanmi Financial Corporation is the holding company of Hanmi Bank offering commercial banking products and services in the United States. The company is headquartered in Los Angeles, California.
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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