Itau Unibanco Banco Holding SA (ITUB)vsUnity Bancorp Inc (UNTY)
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.74%
FINANCIAL SERVICES · Cap: $93.47B
UNTY
Unity Bancorp Inc
$58.79
-0.39%
FINANCIAL SERVICES · Cap: $574.84M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 105848% more annual revenue ($138.19B vs $130.43M). UNTY leads profitability with a 45.0% profit margin vs 33.3%. UNTY appears more attractively valued with a PEG of 0.99. ITUB earns a higher WallStSmart Score of 73/100 (B).
ITUB
Strong Buy73
out of 100
Grade: B
UNTY
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
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 58.2%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Revenue declined 5.7%
Earnings declined 11.8%
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 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : UNTY
The strongest argument for UNTY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.0% and operating margin at 58.2%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
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 : UNTY
The primary concerns for UNTY are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
UNTY carries more volatility with a beta of 0.63 — expect wider price swings.
ITUB is growing revenue faster at -2.1% — sustainability is the question.
UNTY generates stronger free cash flow (14M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (73/100 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.
Unity Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.
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