Itau Unibanco Banco Holding SA (ITUB)vsOFG Bancorp (OFG)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
OFG
OFG Bancorp
$40.41
+1.28%
FINANCIAL SERVICES · Cap: $1.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 22170% more annual revenue ($138.95B vs $623.93M). OFG leads profitability with a 32.9% profit margin vs 32.3%. OFG appears more attractively valued with a PEG of 0.92. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
OFG
Strong Buy74
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
+72.5%
Fair Value
$152.79
Current Price
$40.41
$112.38 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Growing faster than its price suggests
Areas to Watch
2.8% earnings growth
0.0% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
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 : OFG
The strongest argument for OFG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.9% and operating margin at 33.1%. PEG of 0.92 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : OFG
The primary concerns for OFG are Revenue Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while OFG is a value play — different risk/reward profiles.
OFG carries more volatility with a beta of 0.71 — 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 74/100), backed by strong 32.3% margins and 11.0% revenue growth. OFG offers better value entry with a 72.5% 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.
OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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