Hanmi Financial Corporation (HAFC)vsItau Unibanco Banco Holding SA (ITUB)
HAFC
Hanmi Financial Corporation
$26.12
-0.31%
FINANCIAL SERVICES · Cap: $759.07M
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 54234% more annual revenue ($138.95B vs $255.73M). ITUB leads profitability with a 32.3% profit margin vs 29.7%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HAFC
Strong Buy76
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.6%
Fair Value
$98.19
Current Price
$26.12
$72.07 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.5%
Keeps 30 of every $100 in revenue as profit
15.7% revenue growth
Earnings expanding 20.2% 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
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.7% and operating margin at 43.5%. Revenue growth of 15.7% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HAFC profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
HAFC carries more volatility with a beta of 0.69 — expect wider price swings.
HAFC is growing revenue faster at 15.7% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
HAFC scores higher overall (76/100 vs 76/100), backed by strong 29.7% margins and 15.7% 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.
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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