Itau Unibanco Banco Holding SA (ITUB)vsLive Oak Bancshares, Inc. (LOB)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LOB
Live Oak Bancshares, Inc.
$32.82
+0.21%
FINANCIAL SERVICES · Cap: $1.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 28800% more annual revenue ($138.95B vs $480.78M). ITUB leads profitability with a 32.3% profit margin vs 22.0%. 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+
LOB
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
+60.9%
Fair Value
$104.36
Current Price
$32.82
$71.54 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 49.1%
Revenue surging 70.2% year-over-year
Earnings expanding 346.6% YoY
Conservative balance sheet, low leverage
Keeps 22 of every $100 in revenue as profit
Areas to Watch
2.8% earnings growth
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 : LOB
The strongest argument for LOB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.0% and operating margin at 49.1%. Revenue growth of 70.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : LOB
The primary concerns for LOB are Market Cap.
Key Dynamics to Monitor
ITUB profiles as a mature stock while LOB is a growth play — different risk/reward profiles.
LOB carries more volatility with a beta of 1.92 — expect wider price swings.
LOB is growing revenue faster at 70.2% — 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 72/100), backed by strong 32.3% margins and 11.0% revenue growth. LOB offers better value entry with a 60.9% 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.
Live Oak Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Live Oak Bancshares, Inc. is the banking holding company for Live Oak Banking Company offering a variety of commercial banking products and services to individuals, small businesses and professionals in North Carolina, United States. The company is headquartered in Wilmington, North Carolina.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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