Itau Unibanco Banco Holding SA (ITUB)vsMidland States Bancorp, Inc. (MSBI)
ITUB
Itau Unibanco Banco Holding SA
$7.37
-0.41%
FINANCIAL SERVICES · Cap: $104.05B
MSBI
Midland States Bancorp, Inc.
$34.25
+0.03%
FINANCIAL SERVICES · Cap: $684.40M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 46676% more annual revenue ($143.71B vs $307.24M). ITUB leads profitability with a 32.6% profit margin vs 19.0%. ITUB appears more attractively valued with a PEG of 1.33. MSBI earns a higher WallStSmart Score of 80/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
MSBI
Strong Buy80
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Revenue surging 34.5% year-over-year
Earnings expanding 299.1% YoY
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.0% and operating margin at 37.5%. Revenue growth of 34.5% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
MSBI carries more volatility with a beta of 0.64 — expect wider price swings.
MSBI is growing revenue faster at 34.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MSBI scores higher overall (80/100 vs 77/100), backed by strong 19.0% margins and 34.5% revenue growth. 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.
Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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