HOMB vs ITUB
Home BancShares vs Itaú Unibanco Holding S.A. — AI-powered side-by-side comparison
HOMB
Home BancShares
73
Buy
VS
ITUB
Itaú Unibanco Holding S.A.
56
Watch
| Metric | HOMB | ITUB |
|---|
| AI Score |
73
|
56
|
| Price |
$31.02
|
$7.49
|
| P/E Ratio |
12.71×
|
9.18×
|
| ROE |
11.1%
|
21.9%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
78.5%
|
35.9%
|
| Debt / Equity |
0.20×
|
4.70×
|
| Dividend Yield |
2.7%
|
9.0%
|
| RSI (14) |
47.9
|
18.3
|
| Beta |
0.676
|
0.159
|
| Expected Upside |
+0.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for HOMB versus ITUB.
HOMB leads by 17 points.
HOMB scores 73/100 (Buy) versus ITUB at 56/100 (Watch).
HOMB Committee View
83% agreement
6 analysts
The primary driver is revenue growing 51.1% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.9 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Dividend yield of 3.0% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
ITUB Committee View
50% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 47.2% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 4.88) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 10.1 is inexpensive for the broad market — Value
- ROE of 22.0% shows genuine earnings power backing the valuation — Value
- Revenue growing 47.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Debt-to-equity of 4.88 adds balance-sheet risk to the value case — Value
- RSI at 18 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical