Itau Unibanco Banco Holding SA (ITUB)vsRed River Bancshares Inc (RRBI)
ITUB
Itau Unibanco Banco Holding SA
$8.11
+0.37%
FINANCIAL SERVICES · Cap: $90.16B
RRBI
Red River Bancshares Inc
$101.00
+0.90%
FINANCIAL SERVICES · Cap: $672.50M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 111441% more annual revenue ($143.71B vs $128.84M). RRBI leads profitability with a 35.7% profit margin vs 32.6%. ITUB trades at a lower P/E of 10.3x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
RRBI
Buy58
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Elevated debt levels
Smaller company, higher risk/reward
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 : RRBI
The strongest argument for RRBI centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 35.7% and operating margin at 46.0%.
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 : RRBI
The primary concerns for RRBI are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while RRBI is a mature play — different risk/reward profiles.
RRBI carries more volatility with a beta of 0.42 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 58/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
Red River Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Red River Bancshares, Inc. is a banking holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company is headquartered in Alexandria, Louisiana.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?