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Itau Unibanco Banco Holding SA (ITUB) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Earnings in 5 days (2026-05-05). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Hold if already holding. Not a fresh buy at $8.65, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 5 days (event risk).

Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers... Read more

$8.65+8.4% A.UpsideScore 5.5/10#104 of 142 Banks - Regional
Stop $8.21Target $9.38(resistance)A.R:R -3.1:1
Analyst target$8.36-3.4%8 analysts
$9.38our TP
$8.65price
$8.36mean
$6
$10

Hold if already holding. Not a fresh buy at $8.65, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 5 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.

Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and earnings proximity 5d<=7d. Suitability: moderate.

Thesis

Rewards
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Earnings in 5 days (event risk)
Weak growth

Key Metrics

P/E (TTM)10.7
P/E (Fwd)8.8
Mkt Cap$94.0B
EV/EBITDA
Profit Mgn32.3%
ROE21.0%
Rev Growth11.0%
Beta0.27
Dividend1.23%
Rating analysts17

Quality Signals

Piotroski F4/9

Options Flow

P/C19.00bearish
IV102%elevated
Max Pain$1-88.4% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Volume
0.0
Obv
1.8
Macd
2.5
Ma Position
6.0
Rsi
8.2
Uptrend pullback (RSI 33) - buy opportunityVolume distribution (falling OBV)Above 200-day MA

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
2.6
Revenue Growth
5.2
GatesMomentum 3.7<4.5A.R:R -3.1=NEGATIVEEARNINGS PROXIMITY 5d<=7dInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARSuitability: Moderate
RSI
33 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $8.22Resistance $9.57

Price Targets

$8
$9
A.Upside+8.4%
A.R:R-3.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-16.0% upside)
! Momentum score 3.7/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-05-05 (5d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is ITUB stock a buy right now?

Hold if already holding. Not a fresh buy at $8.65, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 5 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $9.38 (+8.4%), stop $8.21 (−5.4%), A.R:R -3.1:1. Score 5.5/10, moderate confidence.

What is the ITUB stock price target?

Take-profit target: $9.38 (+8.4% upside). Target $9.38 (+8.4%), stop $8.21 (−5.4%), A.R:R -3.1:1. Stop-loss: $8.21.

What are the risks of investing in ITUB?

Analyst target reached - limited upside remaining; Earnings in 5 days (event risk); Weak growth.

Is ITUB overvalued or undervalued?

Itau Unibanco Banco Holding SA trades at a P/E of 10.7 (forward 8.8). TrendMatrix value score: 7.4/10. Verdict: Hold.

What do analysts say about ITUB?

17 analysts cover ITUB with a consensus score of 4.2/5. Average price target: $8.

What does Itau Unibanco Banco Holding SA do?Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in...

Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers current accounts; funds management; payments and collections; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.

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