Arrow Financial Corporation (AROW)vsHDFC Bank Limited ADR (HDB)
AROW
Arrow Financial Corporation
$33.24
-0.24%
FINANCIAL SERVICES · Cap: $531.01M
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1797080% more annual revenue ($2.85T vs $158.32M). AROW leads profitability with a 27.8% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
AROW
Strong Buy76
out of 100
Grade: B+
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$124.02
Current Price
$33.24
$90.78 discount
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Revenue surging 37.0% year-over-year
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Areas to Watch
2.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AROW
The strongest argument for AROW centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.8% and operating margin at 40.7%. Revenue growth of 37.0% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bear Case : AROW
The primary concerns for AROW are EPS Growth, Market Cap, PEG Ratio.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
AROW carries more volatility with a beta of 0.79 — expect wider price swings.
AROW is growing revenue faster at 37.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 76/100), backed by strong 26.2% margins and 26.4% revenue growth. AROW offers better value entry with a 71.8% 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.
Arrow Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.
HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
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