Independent Bank Corporation (IBCP)vsItau Unibanco Banco Holding SA (ITUB)
IBCP
Independent Bank Corporation
$32.70
-0.34%
FINANCIAL SERVICES · Cap: $661.73M
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 63195% more annual revenue ($138.95B vs $219.52M). ITUB leads profitability with a 32.3% profit margin vs 31.2%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
IBCP
Buy64
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-3.5%
Fair Value
$34.79
Current Price
$32.70
$2.09 premium
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 31 of every $100 in revenue as profit
Strong operational efficiency at 37.6%
Conservative balance sheet, low leverage
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
2.4% earnings growth
Smaller company, higher risk/reward
Revenue declined 5.6%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : IBCP
The strongest argument for IBCP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 37.6%. PEG of 1.40 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : IBCP
The primary concerns for IBCP are EPS Growth, Market Cap, Revenue Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
IBCP profiles as a declining stock while ITUB is a mature play — different risk/reward profiles.
IBCP carries more volatility with a beta of 0.75 — 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.
Bottom Line
ITUB scores higher overall (76/100 vs 64/100), backed by strong 32.3% margins and 11.0% 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.
Independent Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Independent Bank Corporation is the bank holding company of Independent Bank providing various banking services to individuals and businesses. The company is headquartered in Grand Rapids, Michigan.
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
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