Itau Unibanco Banco Holding SA (ITUB)vsValley National Bancorp (VLY)
ITUB
Itau Unibanco Banco Holding SA
$8.20
+0.24%
FINANCIAL SERVICES · Cap: $93.47B
VLY
Valley National Bancorp
$14.77
-0.74%
FINANCIAL SERVICES · Cap: $7.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 6781% more annual revenue ($138.19B vs $2.01B). VLY leads profitability with a 34.5% profit margin vs 33.3%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy73
out of 100
Grade: B
VLY
Strong Buy77
out of 100
Grade: B+
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
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Attractively priced relative to earnings
15.0% revenue growth
Earnings expanding 31.8% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
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 : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.5% and operating margin at 46.8%. Revenue growth of 15.0% demonstrates continued momentum.
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 : VLY
The primary concerns for VLY are Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while VLY is a mature play — different risk/reward profiles.
VLY carries more volatility with a beta of 1.05 — expect wider price swings.
VLY is growing revenue faster at 15.0% — sustainability is the question.
VLY generates stronger free cash flow (208M), providing more financial flexibility.
Bottom Line
VLY scores higher overall (77/100 vs 73/100), backed by strong 34.5% margins and 15.0% revenue growth. 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.
Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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