Itau Unibanco Banco Holding SA (ITUB)vsSR Bancorp, Inc. Common stock (SRBK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SRBK
SR Bancorp, Inc. Common stock
$17.03
+0.06%
FINANCIAL SERVICES · Cap: $135.54M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 437556% more annual revenue ($138.95B vs $31.75M). ITUB leads profitability with a 32.3% profit margin vs 13.5%. 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+
SRBK
Hold38
out of 100
Grade: F
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
-378.2%
Fair Value
$3.67
Current Price
$17.03
$13.36 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
Areas to Watch
2.8% earnings growth
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 2.2% — below average capital efficiency
Earnings declined 7.5%
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 : SRBK
The strongest argument for SRBK centers on Price/Book.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SRBK
The primary concerns for SRBK are P/E Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SRBK is a value play — different risk/reward profiles.
SRBK carries more volatility with a beta of 0.54 — 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 38/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Hold" 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.
SR Bancorp, Inc. Common stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company is headquartered in Bound Brook, New Jersey.
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