WallStSmart

Itau Unibanco Banco Holding SA (ITUB)vsOP Bancorp (OPBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 152421% more annual revenue ($138.95B vs $91.10M). ITUB leads profitability with a 32.3% profit margin vs 28.1%. OPBK trades at a lower P/E of 7.5x. ITUB earns a higher WallStSmart Score of 76/100 (B+).

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0

OPBK

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 8.3Quality: 5.0
Piotroski: 4/9Altman Z: -0.71
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued
OPBKUndervalued (+82.6%)

Margin of Safety

+82.6%

Fair Value

$80.50

Current Price

$13.29

$67.21 discount

UndervaluedFair: $80.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

OPBK6 strengths · Avg: 9.2/10
P/E RatioValuation
7.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.5%10/10

Strong operational efficiency at 44.5%

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

Revenue GrowthGrowth
20.3%8/10

Revenue surging 20.3% year-over-year

EPS GrowthGrowth
42.7%8/10

Earnings expanding 42.7% YoY

Areas to Watch

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

OPBK3 concerns · Avg: 2.3/10
Market CapQuality
$192.39M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-13,0002/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.712/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : OPBK

The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 44.5%. Revenue growth of 20.3% demonstrates continued momentum.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Bear Case : OPBK

The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

ITUB profiles as a mature stock while OPBK is a growth play — different risk/reward profiles.

OPBK carries more volatility with a beta of 0.62 — expect wider price swings.

OPBK is growing revenue faster at 20.3% — 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 71/100), backed by strong 32.3% margins and 11.0% revenue growth. OPBK offers better value entry with a 82.6% 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.

OP Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.

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