Is ITUB or JMSB more undervalued in 2026?

CirclFi compares Itau Unibanco Banco Holding SA (ITUB) and John Marshall Bancorp, Inc. (JMSB) using 13 institutional-grade valuation models. ITUB has a Quality of Company score of 1.7/10 while JMSB scores 8.4/10.

Which is a better buy — ITUB or JMSB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ITUB and JMSB valuations compare?

ITUB at $7.88 and JMSB at $21.22 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ITUB vs JMSB Valuation Comparison 2026 — Intrinsic Value Analysis

ITUB

Banks - Regional

Itau Unibanco Banco Holding SA

Quality

1.7

out of 10

Value Trap

—

Price

$7.88

Last close

Models

11/13

Active

JMSB

Banks - Regional

John Marshall Bancorp, Inc.

Quality

8.4

out of 10

Value Trap

SAFE

Price

$21.22

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	ITUB Fair Value	ITUB Upside	JMSB Fair Value	JMSB Upside
Bayesian DCF	Intrinsic	$2.63	-66.7%	$12.85	-39.5%
Earnings Power Value	Intrinsic	$3.18	-64.1%	$16.00	-24.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ITUB vs JMSB — Which Stock Is More Undervalued?

JMSB scores higher with a 8.4/10 quality rating vs ITUB's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Itau Unibanco Banco Holding SA (ITUB) and John Marshall Bancorp, Inc. (JMSB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ITUB currently trades at $7.88 with a QOC of 1.7/10, while JMSB trades at $21.22 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).