First Internet Bancorp (INBK)vsItau Unibanco Banco Holding SA (ITUB)
INBK
First Internet Bancorp
$24.69
+1.86%
FINANCIAL SERVICES · Cap: $224.72M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-2.26%
FINANCIAL SERVICES · Cap: $87.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 291561% more annual revenue ($138.19B vs $47.38M). ITUB leads profitability with a 33.3% profit margin vs -70.9%. ITUB earns a higher WallStSmart Score of 74/100 (B).
INBK
Hold47
out of 100
Grade: D+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 165.5% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
ROE of -9.3% — below average capital efficiency
Currently unprofitable
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : INBK
The strongest argument for INBK centers on Price/Book, EPS Growth. Revenue growth of 13.7% 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 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : INBK
The primary concerns for INBK are Market Cap, Piotroski F-Score, Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
INBK profiles as a turnaround stock while ITUB is a declining play — different risk/reward profiles.
INBK carries more volatility with a beta of 0.87 — expect wider price swings.
INBK is growing revenue faster at 13.7% — sustainability is the question.
INBK generates stronger free cash flow (75M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 47/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
First Internet Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Internet Bancorp is the banking holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and business customers in the United States. The company is headquartered in Fishers, Indiana.
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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