Itau Unibanco Banco Holding SA (ITUB)vsOld Second Bancorp Inc (OSBC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
OSBC
Old Second Bancorp Inc
$19.61
-0.66%
FINANCIAL SERVICES · Cap: $1.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 44528% more annual revenue ($138.95B vs $311.34M). ITUB leads profitability with a 32.3% profit margin vs 25.8%. ITUB appears more attractively valued with a PEG of 1.30. OSBC earns a higher WallStSmart Score of 78/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
OSBC
Strong Buy78
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
+73.1%
Fair Value
$75.82
Current Price
$19.61
$56.21 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
Reasonable price relative to book value
Strong operational efficiency at 44.8%
Revenue surging 32.3% year-over-year
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.9% YoY
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
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 : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.8% and operating margin at 44.8%. Revenue growth of 32.3% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while OSBC is a growth play — different risk/reward profiles.
OSBC carries more volatility with a beta of 0.77 — expect wider price swings.
OSBC is growing revenue faster at 32.3% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (78/100 vs 76/100), backed by strong 25.8% margins and 32.3% 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.
Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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