ITUB vs SSB
Itaú Unibanco Holding S.A. vs South State Bank — AI-powered side-by-side comparison
ITUB
Itaú Unibanco Holding S.A.
56
Watch
VS
SSB
South State Bank
73
Strong Buy
| Metric | ITUB | SSB |
|---|
| AI Score |
56
|
73
|
| Price |
$7.49
|
$110.31
|
| P/E Ratio |
9.18×
|
11.52×
|
| ROE |
21.9%
|
8.8%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
35.9%
|
66.5%
|
| Debt / Equity |
4.70×
|
0.17×
|
| Dividend Yield |
9.0%
|
2.2%
|
| RSI (14) |
18.3
|
66.8
|
| Beta |
0.159
|
0.713
|
| Expected Upside |
—
|
+1.0%
|
AI Committee View
Current Innellis committee reasoning for ITUB versus SSB.
SSB leads by 17 points.
SSB scores 73/100 (Strong Buy) versus ITUB at 56/100 (Watch).
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
SSB Committee View
100% agreement
4 analysts
The primary driver is 5 consecutive earnings beats -- consistent execution. The main limiting factor is 2 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Risk/reward is unfavorable: 15.5% downside vs 1.0% upside.