Itau Unibanco Banco Holding SA (ITUB)vsLCNB Corporation (LCNB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LCNB
LCNB Corporation
$15.97
+0.57%
FINANCIAL SERVICES · Cap: $226.10M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 154181% more annual revenue ($138.95B vs $90.06M). ITUB leads profitability with a 32.3% profit margin vs 25.7%. 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+
LCNB
Buy54
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
-56.0%
Fair Value
$11.08
Current Price
$15.97
$4.89 premium
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 34.9%
Keeps 26 of every $100 in revenue as profit
Areas to Watch
2.8% earnings growth
3.5% revenue growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Earnings declined 7.1%
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 : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.7% and operating margin at 34.9%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : LCNB
The primary concerns for LCNB are Revenue Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a mature stock while LCNB is a value play — different risk/reward profiles.
LCNB carries more volatility with a beta of 0.57 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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 54/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
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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