Itau Unibanco Banco Holding SA (ITUB)vsPCB Bancorp (PCB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PCB
PCB Bancorp
$22.30
+0.41%
FINANCIAL SERVICES · Cap: $316.38M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 124309% more annual revenue ($138.95B vs $111.69M). PCB leads profitability with a 33.5% profit margin vs 32.3%. PCB trades at a lower P/E of 8.6x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PCB
Strong Buy67
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
+80.9%
Fair Value
$120.74
Current Price
$22.30
$98.44 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.7%
Conservative balance sheet, low leverage
16.3% revenue growth
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
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 : PCB
The strongest argument for PCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 46.7%. Revenue growth of 16.3% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PCB
The primary concerns for PCB are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while PCB is a growth play — different risk/reward profiles.
PCB carries more volatility with a beta of 0.53 — expect wider price swings.
PCB is growing revenue faster at 16.3% — 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 67/100), backed by strong 32.3% margins and 11.0% revenue growth. PCB offers better value entry with a 80.9% 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.
PCB Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PCB Bancorp is the banking holding company for Pacific City Bank offering various banking products and services to individuals and small and medium-sized businesses in Southern California. The company is headquartered in Los Angeles, California.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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