Itau Unibanco Banco Holding SA (ITUB)vsLake Shore Bancorp Inc (LSBK)
ITUB
Itau Unibanco Banco Holding SA
$8.62
+4.11%
FINANCIAL SERVICES · Cap: $91.26B
LSBK
Lake Shore Bancorp Inc
$17.05
+0.29%
FINANCIAL SERVICES · Cap: $136.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 470673% more annual revenue ($138.19B vs $29.35M). ITUB leads profitability with a 33.3% profit margin vs 27.7%. ITUB trades at a lower P/E of 10.5x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
LSBK
Buy64
out of 100
Grade: C+
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
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Earnings expanding 88.2% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.7% year-over-year
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
ROE of 5.7% — below average capital efficiency
Distress zone — elevated risk
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 1.42 suggests the stock is reasonably priced for its growth.
Bull Case : LSBK
The strongest argument for LSBK centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 27.7% and operating margin at 32.5%. Revenue growth of 21.7% demonstrates continued momentum.
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 : LSBK
The primary concerns for LSBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while LSBK is a growth play — different risk/reward profiles.
LSBK carries more volatility with a beta of 0.30 — expect wider price swings.
LSBK is growing revenue faster at 21.7% — sustainability is the question.
LSBK generates stronger free cash flow (3M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 64/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "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.
Lake Shore Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lake Shore Bancorp, Inc. is the savings and loan holding company of Lake Shore Savings Bank offering banking products and services.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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