Itau Unibanco Banco Holding SA (ITUB)vsLakeland Financial Corporation (LKFN)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LKFN
Lakeland Financial Corporation
$56.80
-0.84%
FINANCIAL SERVICES · Cap: $1.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 53925% more annual revenue ($138.95B vs $257.19M). LKFN leads profitability with a 40.2% profit margin vs 32.3%. 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+
LKFN
Strong Buy73
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
+65.8%
Fair Value
$177.40
Current Price
$56.80
$120.60 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
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 53.3%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 23.4% YoY
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : LKFN
The strongest argument for LKFN centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 40.2% and operating margin at 53.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : LKFN
The primary concerns for LKFN are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
LKFN carries more volatility with a beta of 0.73 — expect wider price swings.
LKFN is growing revenue faster at 14.6% — 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 73/100), backed by strong 32.3% margins and 11.0% revenue growth. LKFN offers better value entry with a 65.8% 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.
Lakeland Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lakeland Financial Corporation is the banking holding company for Lake City Bank offering various banking products and services. The company is headquartered in Warsaw, Indiana.
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