ITUB vs ZION
Itaú Unibanco Holding S.A. vs Zions Bancorporation — AI-powered side-by-side comparison
ITUB
Itaú Unibanco Holding S.A.
56
Watch
VS
ZION
Zions Bancorporation
73
Buy
| Metric | ITUB | ZION |
|---|
| AI Score |
56
|
73
|
| Price |
$7.49
|
$70.97
|
| P/E Ratio |
9.18×
|
9.02×
|
| ROE |
21.9%
|
12.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
35.9%
|
71.4%
|
| Debt / Equity |
4.70×
|
0.41×
|
| Dividend Yield |
9.0%
|
2.5%
|
| RSI (14) |
18.3
|
53.1
|
| Beta |
0.159
|
0.781
|
| Expected Upside |
—
|
+6.8%
|
AI Committee View
Current Innellis committee reasoning for ITUB versus ZION.
ZION leads by 17 points.
ZION scores 73/100 (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
ZION Committee View
100% agreement
5 analysts
The primary driver is revenue growing 53.6% yoy -- genuine top-line momentum. 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
- P/E of 10.6 is inexpensive for the broad market — Value
- Price-to-book of 1.2x 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