Hingham Institution for Savings (HIFS)vsItau Unibanco Banco Holding SA (ITUB)
HIFS
Hingham Institution for Savings
$277.42
+0.88%
FINANCIAL SERVICES · Cap: $597.84M
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 153385% more annual revenue ($138.95B vs $90.53M). HIFS leads profitability with a 49.9% profit margin vs 32.3%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HIFS
Strong Buy70
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.7%
Fair Value
$961.74
Current Price
$277.42
$684.32 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
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 77.9%
Revenue surging 102.0% year-over-year
Attractively priced relative to earnings
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
2.0% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : HIFS
The strongest argument for HIFS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 49.9% and operating margin at 77.9%. Revenue growth of 102.0% 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 : HIFS
The primary concerns for HIFS are EPS Growth, Market Cap, Altman Z-Score. Debt-to-equity of 3.05 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HIFS profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
HIFS carries more volatility with a beta of 0.99 — expect wider price swings.
HIFS is growing revenue faster at 102.0% — 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 70/100), backed by strong 32.3% margins and 11.0% revenue growth. HIFS offers better value entry with a 68.7% 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.
Hingham Institution for Savings
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hingham Institution for Savings offers a variety of financial products and services to individuals and businesses in the United States. The company is headquartered in Hingham, Massachusetts.
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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