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BSBR vs ITUB
Which Stock Would AI Choose? Banco Santander (Brasil) S.A. (BSBR) vs. Itaú Unibanco Holding S.A. (ITUB) Stock Comparison
Key Takeaways
- ITUB has delivered stronger year-to-date returns of approximately 21% compared to BSBR's 4%, reflecting better relative performance in recent market activity.
- ITUB trades at a lower trailing P/E ratio (price-to-earnings ratio) of 10.77 versus BSBR's 17.58, suggesting relatively more attractive valuation.
- BSBR offers a higher dividend yield of 5.84%, appealing to income-focused investors, while ITUB yields 1.22%.
- Both stocks exhibit low volatility with betas around 0.3, but ITUB demonstrates superior return on equity (ROE, a measure of profitability relative to shareholders' equity) at 21% versus BSBR's 10.5%.
- ITUB's larger market capitalization of about $95 billion provides greater scale compared to BSBR's $43 billion.
Introduction
Banco Santander (Brasil) S.A. (BSBR) and Itaú Unibanco Holding S.A. (ITUB) are two prominent Brazilian banks listed as American Depositary Receipts (ADRs) on U.S. exchanges. This comparison is relevant for investors seeking exposure to Latin America's largest economy through financial sector plays. Both institutions navigate similar macroeconomic pressures, including interest rate fluctuations and regulatory changes in Brazil, but differ in scale, profitability, and market positioning. Traders monitoring emerging market financials or diversifying portfolios with high-dividend yield stocks may find insights into their relative performance, valuation metrics, and recent momentum valuable for stock comparison decisions.
BSBR Overview and Recent Performance
Banco Santander (Brasil) S.A. (BSBR) is a major commercial bank offering products like loans, credit cards, insurance, and investment services to individuals, small and medium enterprises (SMEs), and corporates across Brazil. In recent market activity, the stock has traded within a 52-week range of $4.62 to $7.32, closing around $5.80 with a market cap of approximately $43 billion. Year-to-date gains stand at about 4%, underperforming broader indices amid quarterly earnings that showed earnings before tax (EBT) growth but a dip in net income due to higher provisions. Sentiment has been influenced by Brazil's economic recovery signals and the bank's focus on digital expansion, though weekly declines of around 8% reflect broader sector pressures from rising non-performing loans.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. (ITUB), Brazil's largest private bank, delivers a wide array of financial services including retail banking, wholesale operations, cards, insurance, and investment advisory to personal and corporate clients domestically and abroad. The stock has moved in a 52-week range of $5.87 to $9.60, recently at $8.62 with a market cap near $95 billion. It boasts robust year-to-date returns of roughly 21%, supported by strong profitability metrics and recent SEC filings highlighting operational resilience. Performance in recent weeks has been tempered by minor pullbacks, driven by market volatility and interest rate sensitivity, yet positive analyst updates underscore sustained growth in net interest income.
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Head-to-Head Comparison
- Business Model and Scale: Both focus on diversified Brazilian banking, but ITUB’s larger footprint drives higher revenue ($139B ttm vs. $46B) and market share, while BSBR emphasizes SME lending.
- Growth Drivers: ITUB benefits from superior ROE and profit margins (32% vs. 28%), fueled by wholesale and insurance segments; BSBR grows via digital and agribusiness exposure.
- Recent Momentum: ITUB leads with 54% one-year gains versus BSBR’s 19%, though both faced weekly dips amid economic uncertainty.
- Risk Factors: Low betas indicate stability, but BSBR’s higher debt sensitivity and ITUB’s currency exposure to the real pose trade-offs.
- Sector Exposure and Sentiment: Shared vulnerability to Brazil’s rates and inflation, yet ITUB enjoys stronger analyst buy ratings and relative outperformance.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward ITUB with higher probability in the near term, based on consistent trend strength, lower valuation multiples, superior profitability metrics like ROE, and positive relative positioning amid Brazilian market recovery. BSBR remains competitive for dividend seekers but lags in momentum and growth catalysts. Outcomes depend on evolving economic data.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BSBR is a StrongBuy and ITUB is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BSBR’s FA Score shows that 1 FA rating(s) are green whileITUB’s FA Score has 2 green FA rating(s).
- BSBR’s FA Score: 1 green, 4 red.
- ITUB’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BSBR’s TA Score shows that 4 TA indicator(s) are bullish while ITUB’s TA Score has 4 bullish TA indicator(s).
- BSBR’s TA Score: 4 bullish, 5 bearish.
- ITUB’s TA Score: 4 bullish, 6 bearish.
Price Growth
BSBR (@Regional Banks) experienced а -1.21% price change this week, while ITUB (@Regional Banks) price change was -3.39% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.62%. For the same industry, the average monthly price growth was +1.05%, and the average quarterly price growth was +16.55%.
Reported Earning Dates
BSBR is expected to report earnings on Jul 22, 2026.
ITUB is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Regional Banks (-0.62% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BSBR | ITUB | BSBR / ITUB | |
| Capitalization | 21.6B | 92.1B | 23% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -1.575 | 15.577 | -10% |
| P/E Ratio | 17.17 | 9.82 | 175% |
| Revenue | 46.7B | 164B | 28% |
| Total Cash | N/A | N/A | - |
| Total Debt | 29.3B | 561B | 5% |
BSBR | ITUB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 56 | 65 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 50 Fair valued | |
PROFIT vs RISK RATING 1..100 | 70 | 8 | |
SMR RATING 1..100 | 2 | 3 | |
PRICE GROWTH RATING 1..100 | 59 | 45 | |
P/E GROWTH RATING 1..100 | 50 | 46 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ITUB's Valuation (50) in the Major Banks industry is in the same range as BSBR (66) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BSBR’s over the last 12 months.
ITUB's Profit vs Risk Rating (8) in the Major Banks industry is somewhat better than the same rating for BSBR (70) in the Regional Banks industry. This means that ITUB’s stock grew somewhat faster than BSBR’s over the last 12 months.
BSBR's SMR Rating (2) in the Regional Banks industry is in the same range as ITUB (3) in the Major Banks industry. This means that BSBR’s stock grew similarly to ITUB’s over the last 12 months.
ITUB's Price Growth Rating (45) in the Major Banks industry is in the same range as BSBR (59) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BSBR’s over the last 12 months.
ITUB's P/E Growth Rating (46) in the Major Banks industry is in the same range as BSBR (50) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BSBR’s over the last 12 months.
| BSBR | ITUB | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 57% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 75% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 62% |
| MACD ODDS (%) | 2 days ago 74% | 2 days ago 61% |
| TrendWeek ODDS (%) | 2 days ago 68% | 2 days ago 61% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 60% |
| Advances ODDS (%) | 7 days ago 67% | 28 days ago 72% |
| Declines ODDS (%) | 9 days ago 69% | 6 days ago 61% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 72% | 2 days ago 73% |
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| ETFs / NAME | Price $ | Chg $ | Chg % |
| NDAA | 23.98 | 0.24 | +1.02% |
| Ned Davis Research 360 Dyn Allc ETF | |||
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| MC Trio Equity Buffered ETF | |||
| VTEC | 99.70 | -0.05 | -0.05% |
| Vanguard California Tax-Exempt Bond ETF | |||
| EASG | 37.74 | -0.07 | -0.19% |
| Xtrackers MSCI EAFE Selection Eq ETF | |||
| HIO | 3.63 | -0.06 | -1.63% |
| Western Asset High Income Opportunity Fund | |||
BSBR and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSBR has been closely correlated with ITUB. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSBR jumps, then ITUB could also see price increases.
| Ticker / NAME | Correlation To BSBR | 1D Price Change % | ||
|---|---|---|---|---|
| BSBR | 100% | -2.23% | ||
| ITUB - BSBR | 79% Closely correlated | -2.27% | ||
| BBD - BSBR | 79% Closely correlated | -2.67% | ||
| INTR - BSBR | 69% Closely correlated | -7.41% | ||
| BBDO - BSBR | 61% Loosely correlated | -2.67% | ||
| BSAC - BSBR | 60% Loosely correlated | -1.42% | ||
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ITUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ITUB has been closely correlated with BSBR. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if ITUB jumps, then BSBR could also see price increases.
| Ticker / NAME | Correlation To ITUB | 1D Price Change % | ||
|---|---|---|---|---|
| ITUB | 100% | -2.27% | ||
| BSBR - ITUB | 78% Closely correlated | -2.23% | ||
| BBD - ITUB | 74% Closely correlated | -2.67% | ||
| INTR - ITUB | 66% Closely correlated | -7.41% | ||
| BSAC - ITUB | 63% Loosely correlated | -1.42% | ||
| BCH - ITUB | 58% Loosely correlated | -1.72% | ||
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