Itau Unibanco Banco Holding SA (ITUB)vsPreferred Bank (PFBC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PFBC
Preferred Bank
$89.44
+0.15%
FINANCIAL SERVICES · Cap: $1.09B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 49306% more annual revenue ($138.95B vs $281.24M). PFBC leads profitability with a 47.5% profit margin vs 32.3%. PFBC appears more attractively valued with a PEG of 0.94. PFBC earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PFBC
Strong Buy76
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
+81.0%
Fair Value
$470.53
Current Price
$89.44
$381.09 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 48 of every $100 in revenue as profit
Strong operational efficiency at 71.7%
Growing faster than its price suggests
Earnings expanding 24.0% YoY
Areas to Watch
2.8% earnings growth
4.2% revenue 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 : PFBC
The strongest argument for PFBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 47.5% and operating margin at 71.7%. PEG of 0.94 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PFBC
The primary concerns for PFBC are Revenue Growth, Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while PFBC is a value play — different risk/reward profiles.
PFBC carries more volatility with a beta of 0.60 — 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 76/100), backed by strong 32.3% margins and 11.0% revenue growth. PFBC offers better value entry with a 81.0% 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.
Preferred Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Preferred Bank offers a variety of commercial banking products and services to small and medium-sized businesses and their real estate owners, entrepreneurs, developers and investors, professionals, and high-net-worth individuals in the United States. The company is headquartered in Los Angeles, California.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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