Itau Unibanco Banco Holding SA (ITUB)vsPeapack-Gladstone Financial (PGC)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
PGC
Peapack-Gladstone Financial
$45.80
-0.52%
FINANCIAL SERVICES · Cap: $822.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 49683% more annual revenue ($143.71B vs $288.68M). ITUB leads profitability with a 32.6% profit margin vs 18.0%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 78/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
PGC
Strong Buy78
out of 100
Grade: B+
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Strong operational efficiency at 30.5%
Earnings expanding 91.2% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
ROE of 7.3% — below average capital efficiency
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : PGC
The strongest argument for PGC centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 18.0% and operating margin at 30.5%. Revenue growth of 23.4% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
PGC carries more volatility with a beta of 0.70 — expect wider price swings.
PGC is growing revenue faster at 23.4% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGC scores higher overall (78/100 vs 77/100), backed by strong 18.0% margins and 23.4% revenue growth. 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.
Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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