WallStSmart

Itau Unibanco Banco Holding SA (ITUB)vsLandmark Bancorp Inc (LARK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 215763% more annual revenue ($138.95B vs $64.37M). ITUB leads profitability with a 32.3% profit margin vs 26.9%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0

LARK

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 10.0Quality: 6.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued
LARKUndervalued (+80.9%)

Margin of Safety

+80.9%

Fair Value

$144.06

Current Price

$24.58

$119.48 discount

UndervaluedFair: $144.06Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

LARK6 strengths · Avg: 9.3/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.4%10/10

Strong operational efficiency at 36.4%

Profit MarginProfitability
26.9%9/10

Keeps 27 of every $100 in revenue as profit

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
24.7%8/10

Earnings expanding 24.7% YoY

Areas to Watch

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

LARK2 concerns · Avg: 3.5/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Market CapQuality
$156.18M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : ITUB

The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.

Bull Case : LARK

The strongest argument for LARK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.9% and operating margin at 36.4%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Bear Case : LARK

The primary concerns for LARK are PEG Ratio, Market Cap.

Key Dynamics to Monitor

LARK carries more volatility with a beta of 0.27 — expect wider price swings.

LARK is growing revenue faster at 12.7% — sustainability is the question.

ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ITUB scores higher overall (76/100 vs 72/100), backed by strong 32.3% margins and 11.0% revenue growth. LARK offers better value entry with a 80.9% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Itau Unibanco Banco Holding SA

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Landmark Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Landmark Bancorp, Inc. is the financial holding company for Landmark National Bank providing various banking and financial services to its local communities. The company is headquartered in Manhattan, Kansas.

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