Home BancShares Inc (HOMB)vsItau Unibanco Banco Holding SA (ITUB)
HOMB
Home BancShares Inc
$26.62
+0.08%
FINANCIAL SERVICES · Cap: $5.23B
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 12904% more annual revenue ($138.95B vs $1.07B). HOMB leads profitability with a 44.5% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HOMB
Strong Buy69
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.6%
Fair Value
$94.66
Current Price
$26.62
$68.04 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
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 56.9%
Earnings expanding 20.3% 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
Expensive relative to growth rate
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : HOMB
The strongest argument for HOMB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 44.5% and operating margin at 56.9%. Revenue growth of 10.8% 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 : HOMB
The primary concerns for HOMB are PEG Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HOMB carries more volatility with a beta of 0.76 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 69/100), backed by strong 32.3% margins and 11.0% revenue growth. HOMB offers better value entry with a 68.6% 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.
Home BancShares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Home Bancshares, Inc. (Conway, AR) is the banking holding company of Centennial Bank offering commercial and retail banking and related financial services to real estate companies, developers and investors, individuals and municipalities. The company is headquartered in Conway, Arkansas.
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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