BSB Bancorp (NASDAQ:BLMT) and Itau Unibanco (NASDAQ:ITUB) Financial Comparison

Itau Unibanco (NYSE:ITUB) and BSB Bancorp (NASDAQ:BLMT) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, risk, institutional ownership, dividends, profitability, earnings and valuation.

Institutional and Insider Ownership

4.5% of Itau Unibanco shares are owned by institutional investors. Comparatively, 48.3% of BSB Bancorp shares are owned by institutional investors. 14.4% of BSB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility and Risk

Itau Unibanco has a beta of 0.92, meaning that its stock price is 8% less volatile than the S&P 500. Comparatively, BSB Bancorp has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500.


Itau Unibanco pays an annual dividend of $0.05 per share and has a dividend yield of 0.5%. BSB Bancorp does not pay a dividend. Itau Unibanco pays out 7.5% of its earnings in the form of a dividend. Itau Unibanco has raised its dividend for 2 consecutive years.


This table compares Itau Unibanco and BSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Itau Unibanco 16.01% 18.06% 1.70%
BSB Bancorp 22.18% 12.51% 0.83%

Analyst Ratings

This is a summary of recent ratings and target prices for Itau Unibanco and BSB Bancorp, as reported by

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Itau Unibanco 1 5 0 0 1.83
BSB Bancorp 0 0 0 0 N/A

Valuation & Earnings

This table compares Itau Unibanco and BSB Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Itau Unibanco $46.96 billion 1.95 $6.81 billion $0.67 14.06
BSB Bancorp $103.27 million 3.13 $22.91 million N/A N/A

Itau Unibanco has higher revenue and earnings than BSB Bancorp.


Itau Unibanco beats BSB Bancorp on 8 of the 13 factors compared between the two stocks.

Itau Unibanco Company Profile

Itaú Unibanco Holding S.A. provides a range of financial products and services to individuals and corporate clients in Brazil and internationally. The company operates in three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. It accepts demand, savings, and time deposits; and offers payroll, mortgage, personal, vehicle, and corporate loans, as well as very small, small, and middle market loans. The company also provides credits cards; investment and private banking services; property, casualty, and life insurance products; reinsurance products; and private pension plans and premium bonds. In addition, it offers consumer finance credit; and capitalization, leasing, and brokerage services. As of December 31, 2017, the company operated through a network of 4,981 branches and client service branches, as well as 46,965 automated teller machines. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. Itaú Unibanco Holding S.A. was founded in 1945 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. operates as a subsidiary of IUPAR – Itaú Unibanco Participações S.A.

BSB Bancorp Company Profile

BSB Bancorp, Inc. operates as the holding company for Belmont Savings Bank that provides commercial and retail banking services to small businesses, municipalities, nonprofit organizations, and other customers in the United States. Its deposit products include relationship checking accounts for consumers and businesses, passbook and statement savings accounts, certificates of deposit, money market accounts, interest on lawyer trust accounts, and individual retirement accounts, as well as commercial, municipal, and regular checking accounts. The company's loan portfolio comprises one to four family residential mortgage loans, commercial real estate loans, multi-family real estate loans, home equity lines of credit, indirect automobile loans, commercial business loans, construction loans and investment securities, other consumer loans, and second mortgage loans. BSB Bancorp, Inc. also offers lockbox, online and mobile banking, global payments, and cash management services. It operates through six full-service branch offices located in Belmont, Watertown, Waltham, Newton, and Cambridge in Southeast Middlesex County, Massachusetts. The company was incorporated in 2011 and is headquartered in Belmont, Massachusetts.

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