Itau Unibanco Banco Holding SA (ITUB)vsQCR Holdings Inc (QCRH)
ITUB
Itau Unibanco Banco Holding SA
$7.93
+0.06%
FINANCIAL SERVICES · Cap: $87.62B
QCRH
QCR Holdings Inc
$95.01
+0.61%
FINANCIAL SERVICES · Cap: $1.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 37578% more annual revenue ($138.19B vs $366.75M). QCRH leads profitability with a 36.7% profit margin vs 33.3%. QCRH appears more attractively valued with a PEG of 1.02. QCRH earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy74
out of 100
Grade: B
QCRH
Strong Buy77
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 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Revenue surging 21.1% year-over-year
Earnings expanding 30.9% YoY
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
Negative free cash flow — burning cash
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 : QCRH
The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.7% and operating margin at 43.7%. Revenue growth of 21.1% demonstrates continued momentum.
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 : QCRH
The primary concerns for QCRH are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while QCRH is a growth play — different risk/reward profiles.
QCRH carries more volatility with a beta of 0.76 — expect wider price swings.
QCRH is growing revenue faster at 21.1% — sustainability is the question.
QCRH generates stronger free cash flow (-8M), providing more financial flexibility.
Bottom Line
QCRH scores higher overall (77/100 vs 74/100), backed by strong 36.7% margins and 21.1% 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.
QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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