Itau Unibanco Banco Holding SA (ITUB)vsWesBanco Inc (WSBC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
WSBC
WesBanco Inc
$33.87
0.00%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 15273% more annual revenue ($138.95B vs $903.81M). ITUB leads profitability with a 32.3% profit margin vs 24.7%. WSBC appears more attractively valued with a PEG of 1.23. WSBC earns a higher WallStSmart Score of 80/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
WSBC
Strong Buy80
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
+47.9%
Fair Value
$70.82
Current Price
$33.87
$36.95 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 49.8%
Revenue surging 61.0% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
ROE of 6.5% — below average capital efficiency
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 : WSBC
The strongest argument for WSBC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.7% and operating margin at 49.8%. Revenue growth of 61.0% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : WSBC
The primary concerns for WSBC are Return on Equity.
Key Dynamics to Monitor
ITUB profiles as a mature stock while WSBC is a growth play — different risk/reward profiles.
WSBC carries more volatility with a beta of 0.78 — expect wider price swings.
WSBC is growing revenue faster at 61.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
WSBC scores higher overall (80/100 vs 76/100), backed by strong 24.7% margins and 61.0% 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.
WesBanco Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WesBanco, Inc. is the banking holding company for WesBanco Bank, Inc. offering retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services. The company is headquartered in Wheeling, West Virginia.
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