Heritage Financial Corporation (HFWA)vsItau Unibanco Banco Holding SA (ITUB)
HFWA
Heritage Financial Corporation
$25.58
+0.47%
FINANCIAL SERVICES · Cap: $1.04B
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 56806% more annual revenue ($138.95B vs $244.17M). ITUB leads profitability with a 32.3% profit margin vs 27.7%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HFWA
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.7%
Fair Value
$91.73
Current Price
$25.58
$66.15 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
Reasonable price relative to book value
Strong operational efficiency at 39.8%
Earnings expanding 90.8% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 20.2% 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
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : HFWA
The strongest argument for HFWA centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 27.7% and operating margin at 39.8%. Revenue growth of 20.2% 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 : HFWA
The primary concerns for HFWA are PEG Ratio, Market Cap, Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HFWA profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
HFWA carries more volatility with a beta of 0.49 — expect wider price swings.
HFWA is growing revenue faster at 20.2% — 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 71/100), backed by strong 32.3% margins and 11.0% revenue growth. HFWA offers better value entry with a 69.7% margin of safety. 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.
Heritage Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Heritage Financial Corporation is the banking holding company for Heritage Bank providing various financial services to small and medium-sized businesses and individuals in the United States. The company is headquartered in Olympia, Washington.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?