Itau Unibanco Banco Holding SA (ITUB)vs1st Source Corporation (SRCE)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SRCE
1st Source Corporation
$68.05
-0.50%
FINANCIAL SERVICES · Cap: $1.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 32887% more annual revenue ($138.95B vs $421.22M). SRCE leads profitability with a 37.6% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. SRCE earns a higher WallStSmart Score of 78/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
SRCE
Strong Buy78
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
+77.1%
Fair Value
$299.99
Current Price
$68.05
$231.94 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 50.0%
Conservative balance sheet, low leverage
16.8% revenue growth
Areas to Watch
2.8% earnings growth
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : SRCE
The strongest argument for SRCE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.6% and operating margin at 50.0%. Revenue growth of 16.8% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SRCE
The primary concerns for SRCE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SRCE is a growth play — different risk/reward profiles.
SRCE carries more volatility with a beta of 0.61 — expect wider price swings.
SRCE is growing revenue faster at 16.8% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
SRCE scores higher overall (78/100 vs 76/100), backed by strong 37.6% margins and 16.8% 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.
1st Source Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.
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