International Bancshares Corporation (IBOC)vsItau Unibanco Banco Holding SA (ITUB)
IBOC
International Bancshares Corporation
$70.94
-0.14%
FINANCIAL SERVICES · Cap: $4.44B
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 17058% more annual revenue ($143.71B vs $837.57M). IBOC leads profitability with a 49.3% profit margin vs 32.6%. IBOC appears more attractively valued with a PEG of 0.98. ITUB earns a higher WallStSmart Score of 77/100 (B+).
IBOC
Buy65
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 49 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Conservative balance sheet, low leverage
Growing faster than its price suggests
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
0.0% revenue growth
Earnings declined 4.3%
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : IBOC
The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 49.3% and operating margin at 60.5%. PEG of 0.98 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : IBOC
The primary concerns for IBOC are Revenue Growth, EPS Growth, 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
IBOC profiles as a value stock while ITUB is a growth play — different risk/reward profiles.
IBOC carries more volatility with a beta of 0.68 — 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 65/100), 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.
International Bancshares Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.
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.
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