IF Bancorp Inc (IROQ)vsItau Unibanco Banco Holding SA (ITUB)
IROQ
IF Bancorp Inc
$26.55
0.00%
FINANCIAL SERVICES · Cap: $88.98M
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 486545% more annual revenue ($138.95B vs $28.55M). ITUB leads profitability with a 32.3% profit margin vs 18.1%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
IROQ
Buy52
out of 100
Grade: C-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+16.3%
Fair Value
$32.93
Current Price
$26.55
$6.38 discount
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
Attractively priced relative to earnings
Strong operational efficiency at 26.3%
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
ROE of 6.3% — below average capital efficiency
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : IROQ
The strongest argument for IROQ centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 18.1% and operating margin at 26.3%.
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 : IROQ
The primary concerns for IROQ are Market Cap, Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
ITUB carries more volatility with a beta of 0.21 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 52/100), backed by strong 32.3% margins and 11.0% revenue growth. IROQ offers better value entry with a 16.3% margin of safety. 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.
IF Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
IF Bancorp, Inc. is the savings and loan holding company of the Federal Iroquois Savings and Loans Association, offering a range of banking and financial services to individual and corporate clients. The company is headquartered in Watseka, Illinois.
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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