First Internet Bancorp (INBK)vsItau Unibanco Banco Holding SA (ITUB)
INBK
First Internet Bancorp
$20.21
-2.88%
FINANCIAL SERVICES · Cap: $171.37M
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 314559% more annual revenue ($138.95B vs $44.16M). ITUB leads profitability with a 32.3% profit margin vs -79.6%. ITUB earns a higher WallStSmart Score of 76/100 (B+).
INBK
Hold38
out of 100
Grade: F
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for INBK.
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
Reasonable price relative to book value
Strong operational efficiency at 23.8%
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
Smaller company, higher risk/reward
Weak financial health signals
ROE of -9.5% — below average capital efficiency
Revenue declined 8.0%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : INBK
The strongest argument for INBK centers on Price/Book, Operating Margin.
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 : INBK
The primary concerns for INBK are Market Cap, Piotroski F-Score, Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
INBK profiles as a turnaround stock while ITUB is a mature play — different risk/reward profiles.
INBK carries more volatility with a beta of 0.82 — 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 38/100), backed by strong 32.3% margins and 11.0% revenue growth. 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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