Itau Unibanco Banco Holding SA (ITUB)vsLake Shore Bancorp Inc (LSBK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LSBK
Lake Shore Bancorp Inc
$15.39
+3.99%
FINANCIAL SERVICES · Cap: $110.04M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 500177% more annual revenue ($138.95B vs $27.77M). ITUB leads profitability with a 32.3% profit margin vs 24.5%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
LSBK
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+65.7%
Fair Value
$44.93
Current Price
$15.39
$29.54 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Strong operational efficiency at 37.0%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 20.1% year-over-year
Earnings expanding 35.5% YoY
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
Weak financial health signals
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : LSBK
The strongest argument for LSBK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.5% and operating margin at 37.0%. Revenue growth of 20.1% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : LSBK
The primary concerns for LSBK are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while LSBK is a growth play — different risk/reward profiles.
LSBK carries more volatility with a beta of 0.29 — expect wider price swings.
LSBK is growing revenue faster at 20.1% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 64/100), backed by strong 32.3% margins and 11.0% revenue growth. LSBK offers better value entry with a 65.7% margin of safety. 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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