Itau Unibanco Banco Holding SA (ITUB)vsUnited Security Bancshares (UBFO)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
UBFO
United Security Bancshares
$10.31
+0.10%
FINANCIAL SERVICES · Cap: $171.01M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 302472% more annual revenue ($138.95B vs $45.92M). ITUB leads profitability with a 32.3% profit margin vs 24.8%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
UBFO
Buy53
out of 100
Grade: C-
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
-20.4%
Fair Value
$9.10
Current Price
$10.31
$1.21 premium
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 44.6%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
4.5% 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 : UBFO
The strongest argument for UBFO centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.8% and operating margin at 44.6%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : UBFO
The primary concerns for UBFO are EPS Growth, Market Cap.
Key Dynamics to Monitor
UBFO carries more volatility with a beta of 0.34 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 53/100), backed by strong 32.3% margins and 11.0% revenue growth. 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 Security Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California.
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