Itau Unibanco Banco Holding SA (ITUB)vsTexas Capital Bancshares Inc (TCBI)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
TCBI
Texas Capital Bancshares Inc
$95.10
+0.55%
FINANCIAL SERVICES · Cap: $4.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 11471% more annual revenue ($138.95B vs $1.20B). ITUB leads profitability with a 32.3% profit margin vs 27.5%. ITUB appears more attractively valued with a PEG of 1.30. TCBI earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
TCBI
Strong Buy77
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
+67.6%
Fair Value
$317.77
Current Price
$95.10
$222.67 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
Reasonable price relative to book value
Strong operational efficiency at 42.5%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
19.1% revenue growth
Earnings expanding 49.0% YoY
Areas to Watch
2.8% earnings growth
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 : TCBI
The strongest argument for TCBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 42.5%. Revenue growth of 19.1% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : TCBI
The primary concerns for TCBI are Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while TCBI is a growth play — different risk/reward profiles.
TCBI carries more volatility with a beta of 0.69 — expect wider price swings.
TCBI is growing revenue faster at 19.1% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
TCBI scores higher overall (77/100 vs 76/100), backed by strong 27.5% margins and 19.1% 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.
Texas Capital Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Texas Capital Bancshares, Inc. is the banking holding company for Texas Capital Bank, a National Association that offers various banking products and services for commercial companies, professionals and entrepreneurs. The company is headquartered in Dallas, Texas.
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