WallStSmart

Itau Unibanco Banco Holding SA (ITUB)vsParke Bancorp Inc (PKBK)

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Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 179462% more annual revenue ($138.95B vs $77.38M). PKBK leads profitability with a 48.8% profit margin vs 32.3%. PKBK appears more attractively valued with a PEG of 0.43. PKBK earns a higher WallStSmart Score of 80/100 (B+).

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0

PKBK

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 10.0Quality: 5.0
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued
PKBKUndervalued (+80.7%)

Margin of Safety

+80.7%

Fair Value

$147.89

Current Price

$28.41

$119.48 discount

UndervaluedFair: $147.89Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

PKBK6 strengths · Avg: 10.0/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

P/E RatioValuation
8.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
48.8%10/10

Keeps 49 of every $100 in revenue as profit

Operating MarginProfitability
68.9%10/10

Strong operational efficiency at 68.9%

Revenue GrowthGrowth
33.9%10/10

Revenue surging 33.9% year-over-year

Areas to Watch

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

PKBK1 concerns · Avg: 3.0/10
Market CapQuality
$331.36M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull 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 : PKBK

The strongest argument for PKBK centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 48.8% and operating margin at 68.9%. Revenue growth of 33.9% demonstrates continued momentum.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Bear Case : PKBK

The primary concerns for PKBK are Market Cap.

Key Dynamics to Monitor

ITUB profiles as a mature stock while PKBK is a growth play — different risk/reward profiles.

PKBK carries more volatility with a beta of 0.52 — expect wider price swings.

PKBK is growing revenue faster at 33.9% — sustainability is the question.

ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.

Bottom Line

PKBK scores higher overall (80/100 vs 76/100), backed by strong 48.8% margins and 33.9% 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.

Parke Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Parke Bancorp, Inc. is the banking holding company for Parke Bank providing personal and business financial services to individuals and small and medium-sized businesses. The company is headquartered in Washington Township, New Jersey.

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