Itau Unibanco Banco Holding SA (ITUB)vsUnited Bancorp Inc (UBCP)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
UBCP
United Bancorp Inc
$16.08
+1.10%
FINANCIAL SERVICES · Cap: $91.34M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 427993% more annual revenue ($138.19B vs $32.28M). ITUB leads profitability with a 33.3% profit margin vs 24.1%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
UBCP
Buy50
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 24 of every $100 in revenue as profit
Strong operational efficiency at 22.2%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
3.8% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : UBCP
The strongest argument for UBCP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 22.2%.
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 : UBCP
The primary concerns for UBCP are EPS Growth, Market Cap, Debt/Equity. Debt-to-equity of 1.74 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while UBCP is a mature play — different risk/reward profiles.
UBCP carries more volatility with a beta of 0.36 — expect wider price swings.
UBCP is growing revenue faster at 6.4% — sustainability is the question.
UBCP generates stronger free cash flow (-2M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 50/100), 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.
United Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.
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