Itau Unibanco Banco Holding SA (ITUB)vsPeoples Bancorp of North Carolina (PEBK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PEBK
Peoples Bancorp of North Carolina
$38.60
+0.23%
FINANCIAL SERVICES · Cap: $163.94M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 162411% more annual revenue ($138.95B vs $85.50M). ITUB leads profitability with a 32.3% profit margin vs 19.6%. PEBK trades at a lower P/E of 10.1x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PEBK
Hold49
out of 100
Grade: D+
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
-86.0%
Fair Value
$20.81
Current Price
$38.60
$17.79 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 23.0%
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Earnings declined 6.9%
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 : PEBK
The strongest argument for PEBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 19.6% and operating margin at 23.0%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PEBK
The primary concerns for PEBK are Market Cap, EPS Growth.
Key Dynamics to Monitor
PEBK carries more volatility with a beta of 0.38 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 49/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Hold" 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.
Peoples Bancorp of North Carolina
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.
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