Itau Unibanco Banco Holding SA (ITUB)vsOak Valley Bancorp (OVLY)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
OVLY
Oak Valley Bancorp
$32.04
+0.39%
FINANCIAL SERVICES · Cap: $245.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 174056% more annual revenue ($138.95B vs $79.78M). ITUB leads profitability with a 32.3% profit margin vs 29.6%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
OVLY
Buy51
out of 100
Grade: C-
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
-71.6%
Fair Value
$19.31
Current Price
$32.03
$12.72 premium
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
Strong operational efficiency at 40.2%
Keeps 30 of every $100 in revenue as profit
Areas to Watch
2.8% earnings growth
0.5% revenue growth
Smaller company, higher risk/reward
Earnings declined 9.0%
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 : OVLY
The strongest argument for OVLY centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 40.2%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : OVLY
The primary concerns for OVLY are Revenue Growth, Market Cap, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while OVLY is a value play — different risk/reward profiles.
OVLY carries more volatility with a beta of 0.25 — 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 51/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Oak Valley Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Oak Valley Bancorp is the banking holding company for Oak Valley Community Bank providing a range of commercial banking services to individuals and small and medium-sized businesses in Oakdale, California and surrounding areas. The company is headquartered in Oakdale, California.
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