Itau Unibanco Banco Holding SA (ITUB)vsSound Financial Bancorp Inc (SFBC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SFBC
Sound Financial Bancorp Inc
$43.89
+0.33%
FINANCIAL SERVICES · Cap: $104.87M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 358343% more annual revenue ($138.95B vs $38.76M). ITUB leads profitability with a 32.3% profit margin vs 18.5%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
SFBC
Buy54
out of 100
Grade: C-
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
+55.9%
Fair Value
$99.12
Current Price
$43.88
$55.24 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
Attractively priced relative to earnings
Strong operational efficiency at 27.0%
Areas to Watch
2.8% earnings growth
0.6% revenue growth
Smaller company, higher risk/reward
ROE of 6.7% — below average capital efficiency
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 : SFBC
The strongest argument for SFBC centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 18.5% and operating margin at 27.0%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SFBC
The primary concerns for SFBC are Revenue Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SFBC is a value play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — 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.
Bottom Line
ITUB scores higher overall (76/100 vs 54/100), backed by strong 32.3% margins and 11.0% revenue growth. SFBC offers better value entry with a 55.9% margin of safety. 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.
Sound Financial Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Sound Financial Bancorp, Inc. is the banking holding company for Sound Community Bank providing banking and other financial services to consumers and businesses. The company is headquartered in Seattle, Washington.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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