Itau Unibanco Banco Holding SA (ITUB)vsTimberland Bancorp Inc (TSBK)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-2.26%
FINANCIAL SERVICES · Cap: $87.62B
TSBK
Timberland Bancorp Inc
$41.29
+2.89%
FINANCIAL SERVICES · Cap: $323.92M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 163238% more annual revenue ($138.19B vs $84.60M). TSBK leads profitability with a 36.5% profit margin vs 33.3%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
TSBK
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 45.2%
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
4.4% revenue growth
Smaller company, higher risk/reward
Expensive relative to growth rate
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 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : TSBK
The strongest argument for TSBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.5% and operating margin at 45.2%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : TSBK
The primary concerns for TSBK are Revenue Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a declining stock while TSBK is a value play — different risk/reward profiles.
TSBK carries more volatility with a beta of 0.31 — expect wider price swings.
TSBK is growing revenue faster at 4.4% — sustainability is the question.
TSBK generates stronger free cash flow (4M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 62/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "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.
Timberland Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Timberland Bancorp, Inc. is the banking holding company for Timberland Bank providing various banking services in Washington. The company is headquartered in Hoquiam, Washington.
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