Itau Unibanco Banco Holding SA (ITUB)vsUMB Financial Corporation (UMBF)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
UMBF
UMB Financial Corporation
$112.72
+0.96%
FINANCIAL SERVICES · Cap: $8.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 5463% more annual revenue ($138.95B vs $2.50B). ITUB leads profitability with a 32.3% profit margin vs 28.1%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
UMBF
Strong Buy75
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
+47.2%
Fair Value
$250.46
Current Price
$112.72
$137.74 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 43.0%
Revenue surging 67.6% year-over-year
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : UMBF
The strongest argument for UMBF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.1% and operating margin at 43.0%. Revenue growth of 67.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while UMBF is a growth play — different risk/reward profiles.
UMBF carries more volatility with a beta of 0.77 — expect wider price swings.
UMBF is growing revenue faster at 67.6% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 75/100), backed by strong 32.3% margins and 11.0% revenue growth. UMBF offers better value entry with a 47.2% margin of safety. 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.
UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
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