Itau Unibanco Banco Holding SA (ITUB)vsServisFirst Bancshares Inc (SFBS)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SFBS
ServisFirst Bancshares Inc
$73.86
-0.89%
FINANCIAL SERVICES · Cap: $4.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 26328% more annual revenue ($138.95B vs $525.76M). SFBS leads profitability with a 52.6% profit margin vs 32.3%. 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+
SFBS
Strong Buy70
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
+63.7%
Fair Value
$236.81
Current Price
$73.86
$162.95 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
Keeps 53 of every $100 in revenue as profit
Strong operational efficiency at 72.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 22.5% year-over-year
Earnings expanding 33.0% YoY
Areas to Watch
2.8% earnings growth
No major concerns identified
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 : SFBS
The strongest argument for SFBS centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 52.6% and operating margin at 72.4%. Revenue growth of 22.5% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SFBS
No major red flags identified for SFBS, but monitor valuation.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SFBS is a growth play — different risk/reward profiles.
SFBS carries more volatility with a beta of 0.86 — expect wider price swings.
SFBS is growing revenue faster at 22.5% — 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 70/100), backed by strong 32.3% margins and 11.0% revenue growth. SFBS offers better value entry with a 63.7% 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.
ServisFirst Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ServisFirst Bancshares, Inc. is the banking holding company for ServisFirst Bank providing various banking services to individual and corporate clients. The company is headquartered in Birmingham, Alabama.
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