Itau Unibanco Banco Holding SA (ITUB)vsBank Ozk (OZK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
OZK
Bank Ozk
$45.02
+0.72%
FINANCIAL SERVICES · Cap: $5.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 8834% more annual revenue ($138.95B vs $1.56B). OZK leads profitability with a 46.0% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
OZK
Buy64
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
-15.7%
Fair Value
$42.57
Current Price
$45.02
$2.45 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
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 58.6%
Conservative balance sheet, low leverage
Areas to Watch
2.8% earnings growth
4.0% revenue growth
Expensive relative to growth rate
Earnings declined 1.3%
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 : OZK
The strongest argument for OZK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 46.0% and operating margin at 58.6%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : OZK
The primary concerns for OZK are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while OZK is a value play — different risk/reward profiles.
OZK carries more volatility with a beta of 0.94 — 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 64/100), 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.
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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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