Arrow Financial Corporation (AROW)vsICICI Bank Limited (IBN)
AROW
Arrow Financial Corporation
$33.24
-0.24%
FINANCIAL SERVICES · Cap: $531.01M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1215589% more annual revenue ($1.92T vs $158.32M). AROW leads profitability with a 27.8% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. AROW earns a higher WallStSmart Score of 76/100 (B+).
AROW
Strong Buy76
out of 100
Grade: B+
IBN
Strong Buy69
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
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
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 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
2.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
3.0% revenue growth
Earnings declined 3.7%
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 : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : AROW
The primary concerns for AROW are EPS Growth, Market Cap, PEG Ratio.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AROW profiles as a growth stock while IBN is a value play — different risk/reward profiles.
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
AROW scores higher overall (76/100 vs 69/100), backed by strong 27.8% margins and 37.0% revenue growth. 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.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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