Horizon Bancorp (HBNC)vsItau Unibanco Banco Holding SA (ITUB)
HBNC
Horizon Bancorp
$18.64
+1.97%
FINANCIAL SERVICES · Cap: $962.43M
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 -596758% more annual revenue ($138.19B vs $-23.16M). ITUB leads profitability with a 33.3% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. ITUB earns a higher WallStSmart Score of 74/100 (B).
HBNC
Buy55
out of 100
Grade: C-
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 46.6%
Growing faster than its price suggests
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
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
ROE of -21.2% — below average capital efficiency
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HBNC
The strongest argument for HBNC centers on Price/Book, Operating Margin, PEG Ratio. PEG of 0.80 suggests the stock is reasonably priced for its growth.
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 : HBNC
The primary concerns for HBNC are Market Cap, Profit Margin, Piotroski F-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
HBNC profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
HBNC carries more volatility with a beta of 0.83 — expect wider price swings.
HBNC is growing revenue faster at 8.5% — sustainability is the question.
HBNC generates stronger free cash flow (21M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 55/100), backed by strong 33.3% margins. 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.
Horizon Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana.
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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