Itau Unibanco Banco Holding SA (ITUB)vsSeacoast Banking Corporation of Florida (SBCF)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SBCF
Seacoast Banking Corporation of Florida
$30.14
+0.72%
FINANCIAL SERVICES · Cap: $2.93B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 23121% more annual revenue ($138.95B vs $598.37M). ITUB leads profitability with a 32.3% profit margin vs 24.2%. 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+
SBCF
Strong Buy67
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
-217.8%
Fair Value
$10.68
Current Price
$30.14
$19.46 premium
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
Strong operational efficiency at 43.8%
Revenue surging 32.4% year-over-year
Keeps 24 of every $100 in revenue as profit
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
ROE of 5.5% — below average capital efficiency
Earnings declined 23.4%
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 : SBCF
The strongest argument for SBCF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.2% and operating margin at 43.8%. Revenue growth of 32.4% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SBCF
The primary concerns for SBCF are PEG Ratio, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SBCF is a growth play — different risk/reward profiles.
SBCF carries more volatility with a beta of 0.93 — expect wider price swings.
SBCF is growing revenue faster at 32.4% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 67/100), backed by strong 32.3% margins and 11.0% 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.
Seacoast Banking Corporation of Florida
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Seacoast Banking Corporation of Florida is the banking holding company of Seacoast National Bank providing financial services to retail and business clients in Florida. The company is headquartered in Stuart, Florida.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?