Itau Unibanco Banco Holding SA (ITUB)vsTompkins Financial Corporation (TMP)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
TMP
Tompkins Financial Corporation
$77.11
+1.23%
FINANCIAL SERVICES · Cap: $1.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 31837% more annual revenue ($138.95B vs $435.07M). TMP leads profitability with a 37.0% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. TMP earns a higher WallStSmart Score of 80/100 (A-).
ITUB
Strong Buy76
out of 100
Grade: B+
TMP
Exceptional Buy80
out of 100
Grade: A-
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
+84.1%
Fair Value
$526.03
Current Price
$77.11
$448.92 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 37 of every $100 in revenue as profit
Strong operational efficiency at 72.1%
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
1.6% revenue growth
3.9% earnings growth
Smaller company, higher risk/reward
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 : TMP
The strongest argument for TMP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 72.1%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a mature stock while TMP is a value play — different risk/reward profiles.
TMP carries more volatility with a beta of 0.75 — 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
TMP scores higher overall (80/100 vs 76/100), backed by strong 37.0% margins. Both earn "Exceptional 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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