Itau Unibanco Banco Holding SA (ITUB)vsKearny Financial Corp (KRNY)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
KRNY
Kearny Financial Corp
$7.34
-0.14%
FINANCIAL SERVICES · Cap: $448.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 85068% more annual revenue ($138.95B vs $163.14M). ITUB leads profitability with a 32.3% profit margin vs 19.8%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
KRNY
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+67.0%
Fair Value
$24.34
Current Price
$7.34
$17.00 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 31.1%
Earnings expanding 50.0% YoY
Attractively priced relative to earnings
15.0% revenue growth
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 4.3% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : KRNY
The strongest argument for KRNY centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.8% and operating margin at 31.1%. Revenue growth of 15.0% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, PEG Ratio. Debt-to-equity of 2.63 is elevated, increasing financial risk.
Key Dynamics to Monitor
KRNY carries more volatility with a beta of 0.65 — expect wider price swings.
KRNY is growing revenue faster at 15.0% — 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 67/100), backed by strong 32.3% margins and 11.0% revenue growth. KRNY offers better value entry with a 67.0% margin of safety. Both earn "Strong Buy" and "Strong 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.
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.
Kearny Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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