Itau Unibanco Banco Holding SA (ITUB)vsThe Bancorp Inc (TBBK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
TBBK
The Bancorp Inc
$52.50
-0.85%
FINANCIAL SERVICES · Cap: $2.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 26308% more annual revenue ($138.95B vs $526.15M). TBBK leads profitability with a 43.4% profit margin vs 32.3%. TBBK appears more attractively valued with a PEG of 1.07. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
TBBK
Strong Buy69
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
+55.1%
Fair Value
$127.13
Current Price
$52.50
$74.63 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
Every $100 of equity generates 31 in profit
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 59.8%
Areas to Watch
2.8% earnings growth
2.3% revenue growth
Negative free cash flow — burning cash
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 : TBBK
The strongest argument for TBBK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.4% and operating margin at 59.8%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : TBBK
The primary concerns for TBBK are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
ITUB profiles as a mature stock while TBBK is a value play — different risk/reward profiles.
TBBK carries more volatility with a beta of 1.33 — 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 69/100), backed by strong 32.3% margins and 11.0% revenue growth. TBBK offers better value entry with a 55.1% 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.
The Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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