WallStSmart

Itau Unibanco Banco Holding SA (ITUB)vsBank Ozk (OZK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 9158% more annual revenue ($143.71B vs $1.55B). OZK leads profitability with a 44.5% profit margin vs 32.6%. ITUB appears more attractively valued with a PEG of 1.26. ITUB earns a higher WallStSmart Score of 77/100 (B+).

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

OZK

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 5.7Quality: 5.8
Piotroski: 5/9Altman Z: 0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$91.48B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

OZK5 strengths · Avg: 9.8/10
P/E RatioValuation
8.0x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
44.5%10/10

Keeps 45 of every $100 in revenue as profit

Operating MarginProfitability
55.6%10/10

Strong operational efficiency at 55.6%

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Areas to Watch

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

OZK4 concerns · Avg: 2.0/10
PEG RatioValuation
2.762/10

Expensive relative to growth rate

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

EPS GrowthGrowth
-5.7%2/10

Earnings declined 5.7%

Altman Z-ScoreHealth
0.382/10

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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bull Case : OZK

The strongest argument for OZK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 44.5% and operating margin at 55.6%.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Bear Case : OZK

The primary concerns for OZK are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

ITUB profiles as a growth stock while OZK is a declining play — different risk/reward profiles.

OZK carries more volatility with a beta of 0.87 — expect wider price swings.

ITUB is growing revenue faster at 17.5% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (77/100 vs 62/100), backed by strong 32.6% margins and 17.5% 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.

Bank Ozk

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank OZK offers a variety of retail and commercial banking services. The company is headquartered in Little Rock, Arkansas.

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