Itau Unibanco Banco Holding SA (ITUB)vsProvident Financial Holdings Inc (PROV)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
PROV
Provident Financial Holdings Inc
$16.15
+0.28%
FINANCIAL SERVICES · Cap: $102.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 340423% more annual revenue ($138.95B vs $40.80M). ITUB leads profitability with a 32.3% profit margin vs 16.2%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
PROV
Strong Buy65
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
+64.8%
Fair Value
$46.33
Current Price
$16.14
$30.18 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
Reasonable price relative to book value
Earnings expanding 70.2% YoY
Attractively priced relative to earnings
Strong operational efficiency at 24.4%
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 5.1% — below average capital efficiency
Expensive relative to growth rate
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 : PROV
The strongest argument for PROV centers on Price/Book, EPS Growth, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 24.4%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : PROV
The primary concerns for PROV are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
PROV carries more volatility with a beta of 0.30 — 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 65/100), backed by strong 32.3% margins and 11.0% revenue growth. PROV offers better value entry with a 64.8% 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.
Provident Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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