Itau Unibanco Banco Holding SA (ITUB)vsUnity Bancorp Inc (UNTY)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
UNTY
Unity Bancorp Inc
$51.02
+0.61%
FINANCIAL SERVICES · Cap: $509.10M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 108562% more annual revenue ($138.95B vs $127.87M). UNTY leads profitability with a 45.3% profit margin vs 32.3%. UNTY appears more attractively valued with a PEG of 0.99. UNTY earns a higher WallStSmart Score of 82/100 (A-).
ITUB
Strong Buy76
out of 100
Grade: B+
UNTY
Exceptional Buy82
out of 100
Grade: A-
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
+79.7%
Fair Value
$265.36
Current Price
$51.02
$214.34 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 60.6%
Growing faster than its price suggests
Revenue surging 21.8% year-over-year
Areas to Watch
2.8% 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 : UNTY
The strongest argument for UNTY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.3% and operating margin at 60.6%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : UNTY
The primary concerns for UNTY are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while UNTY is a growth play — different risk/reward profiles.
UNTY carries more volatility with a beta of 0.65 — expect wider price swings.
UNTY is growing revenue faster at 21.8% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
UNTY scores higher overall (82/100 vs 76/100), backed by strong 45.3% margins and 21.8% revenue growth. Both earn "Exceptional 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.
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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