Hawthorn Bancshares Inc (HWBK)vsItau Unibanco Banco Holding SA (ITUB)
HWBK
Hawthorn Bancshares Inc
$38.73
+1.28%
FINANCIAL SERVICES · Cap: $288.68M
ITUB
Itau Unibanco Banco Holding SA
$8.20
-1.09%
FINANCIAL SERVICES · Cap: $91.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 171141% more annual revenue ($143.71B vs $83.92M). ITUB leads profitability with a 32.6% profit margin vs 30.2%. ITUB trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
HWBK
Buy63
out of 100
Grade: C+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 39.4%
Earnings expanding 20.5% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HWBK
The strongest argument for HWBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.2% and operating margin at 39.4%. Revenue growth of 14.9% 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : HWBK
The primary concerns for HWBK are Market Cap, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
HWBK profiles as a mature stock while ITUB is a growth play — different risk/reward profiles.
HWBK carries more volatility with a beta of 0.47 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 63/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
Hawthorn Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hawthorn Bancshares, Inc. is the banking holding company for Hawthorn Bank providing various banking services in Missouri. The company is headquartered in Jefferson City, Missouri.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?