Itau Unibanco Banco Holding SA (ITUB)vsSouth Plains Financial Inc (SPFI)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SPFI
South Plains Financial Inc
$41.44
-0.08%
FINANCIAL SERVICES · Cap: $679.71M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 67124% more annual revenue ($138.95B vs $206.69M). ITUB leads profitability with a 32.3% profit margin vs 28.3%. 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+
SPFI
Buy53
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
-80.3%
Fair Value
$23.39
Current Price
$41.44
$18.05 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 36.6%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
2.8% revenue growth
Smaller company, higher risk/reward
Earnings declined 7.2%
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 : SPFI
The strongest argument for SPFI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.3% and operating margin at 36.6%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SPFI
The primary concerns for SPFI are Revenue Growth, Market Cap, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SPFI is a value play — different risk/reward profiles.
SPFI carries more volatility with a beta of 0.56 — 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 53/100), backed by strong 32.3% margins and 11.0% 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.
South Plains Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South Plains Financial, Inc. is a bank holding company for City Bank providing commercial and consumer financial services to small and medium-sized businesses and individuals. The company is headquartered in Lubbock, Texas.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?