Itau Unibanco Banco Holding SA (ITUB)vsLandmark Bancorp Inc (LARK)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LARK
Landmark Bancorp Inc
$24.58
-0.89%
FINANCIAL SERVICES · Cap: $156.18M
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 Buy76
out of 100
Grade: B+
LARK
Strong Buy72
out of 100
Grade: B
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
+80.9%
Fair Value
$144.06
Current Price
$24.58
$119.48 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.4%
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 24.7% YoY
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?