Itau Unibanco Banco Holding SA (ITUB)vsSouthern First Bancshares Inc (SFST)
ITUB
Itau Unibanco Banco Holding SA
$8.33
+0.36%
FINANCIAL SERVICES · Cap: $91.48B
SFST
Southern First Bancshares Inc
$63.12
-0.47%
FINANCIAL SERVICES · Cap: $597.86M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 111466% more annual revenue ($143.71B vs $128.81M). ITUB leads profitability with a 32.6% profit margin vs 30.7%. ITUB appears more attractively valued with a PEG of 1.26. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
SFST
Strong Buy71
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 44.0%
Attractively priced relative to earnings
Revenue surging 24.8% year-over-year
Earnings expanding 48.1% YoY
Areas to Watch
Weak financial health signals
Elevated debt levels
Expensive relative to growth rate
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 : SFST
The strongest argument for SFST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.7% and operating margin at 44.0%. Revenue growth of 24.8% demonstrates continued momentum.
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 : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
SFST carries more volatility with a beta of 0.67 — expect wider price swings.
SFST is growing revenue faster at 24.8% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 71/100), backed by strong 32.6% margins and 17.5% 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.
Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
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