Itau Unibanco Banco Holding SA (ITUB)vsMagyar Bancorp Inc (MGYR)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
MGYR
Magyar Bancorp Inc
$17.25
+4.29%
FINANCIAL SERVICES · Cap: $108.70M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 394557% more annual revenue ($138.95B vs $35.21M). ITUB leads profitability with a 32.3% profit margin vs 27.7%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
MGYR
Hold50
out of 100
Grade: D+
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
-69.7%
Fair Value
$10.61
Current Price
$17.25
$6.64 premium
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Keeps 28 of every $100 in revenue as profit
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Revenue declined 3.5%
Earnings declined 2.5%
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 : MGYR
The strongest argument for MGYR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.7% and operating margin at 40.7%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : MGYR
The primary concerns for MGYR are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while MGYR is a declining play — different risk/reward profiles.
MGYR carries more volatility with a beta of 0.25 — 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 50/100), 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.
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.
Magyar Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Magyar Bancorp, Inc. is the holding company of Magyar Bank providing various banking services in the United States.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?