Itau Unibanco Banco Holding SA (ITUB)vsOrigin Bancorp, Inc. (OBK)
ITUB
Itau Unibanco Banco Holding SA
$8.23
+2.49%
FINANCIAL SERVICES · Cap: $90.71B
OBK
Origin Bancorp, Inc.
$51.21
-0.08%
FINANCIAL SERVICES · Cap: $1.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 39337% more annual revenue ($138.19B vs $350.40M). ITUB leads profitability with a 33.3% profit margin vs 23.0%. ITUB trades at a lower P/E of 10.4x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
OBK
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 38.5%
Conservative balance sheet, low leverage
Keeps 23 of every $100 in revenue as profit
Earnings expanding 25.4% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
ROE of 6.4% — below average capital efficiency
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 33.3% and operating margin at 33.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bull Case : OBK
The strongest argument for OBK centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 23.0% and operating margin at 38.5%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : OBK
The primary concerns for OBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while OBK is a mature play — different risk/reward profiles.
OBK carries more volatility with a beta of 0.73 — expect wider price swings.
OBK is growing revenue faster at 9.3% — sustainability is the question.
OBK generates stronger free cash flow (48M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 60/100), backed by strong 33.3% margins. 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.
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.
Origin Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Origin Bancorp, Inc. is a leading financial institution based in Ruston, Louisiana, offering a diverse range of banking and financial services tailored to meet the needs of both individuals and businesses. Through its wholly-owned subsidiary, Origin Bank, the company specializes in commercial banking, mortgage lending, and wealth management, underscoring its commitment to superior customer service and community engagement. With a strong emphasis on leveraging innovative technologies to improve client experiences and operational effectiveness, Origin Bancorp is strategically positioned to seize growth opportunities within the evolving financial services landscape.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?