Itau Unibanco Banco Holding SA (ITUB)vsPeoples Fin (PFIS)
ITUB
Itau Unibanco Banco Holding SA
$7.88
-0.76%
FINANCIAL SERVICES · Cap: $87.62B
PFIS
Peoples Fin
$65.00
+3.53%
FINANCIAL SERVICES · Cap: $623.08M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 72490% more annual revenue ($138.19B vs $190.37M). ITUB leads profitability with a 33.3% profit margin vs 30.9%. PFIS appears more attractively valued with a PEG of 1.31. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
PFIS
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Earnings declined 1.3%
Distress zone — elevated risk
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 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : PFIS
The strongest argument for PFIS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.9% and operating margin at 43.0%. PEG of 1.31 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : PFIS
The primary concerns for PFIS are Market Cap, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while PFIS is a mature play — different risk/reward profiles.
PFIS carries more volatility with a beta of 0.76 — expect wider price swings.
PFIS is growing revenue faster at 6.1% — sustainability is the question.
PFIS generates stronger free cash flow (6M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 63/100), backed by strong 33.3% margins. 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.
Peoples Fin
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania.
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