Itau Unibanco Banco Holding SA (ITUB)vsLCNB Corporation (LCNB)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-2.26%
FINANCIAL SERVICES · Cap: $87.62B
LCNB
LCNB Corporation
$16.82
+1.82%
FINANCIAL SERVICES · Cap: $244.89M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 153546% more annual revenue ($138.19B vs $89.94M). ITUB leads profitability with a 33.3% profit margin vs 25.5%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
LCNB
Hold50
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 26 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 0.6%
Earnings declined 4.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 27.5%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : LCNB
The primary concerns for LCNB are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
LCNB carries more volatility with a beta of 0.59 — expect wider price swings.
LCNB is growing revenue faster at -0.6% — sustainability is the question.
LCNB generates stronger free cash flow (3M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (74/100 vs 50/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Hold" 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.
LCNB Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
LCNB Corp. The company is headquartered in Lebanon, Ohio.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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