Associated Banc-Corp (ASB)vsHDFC Bank Limited ADR (HDB)
ASB
Associated Banc-Corp
$30.36
-0.59%
FINANCIAL SERVICES · Cap: $5.67B
HDB
HDFC Bank Limited ADR
$25.14
+1.78%
FINANCIAL SERVICES · Cap: $109.84B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 184459% more annual revenue ($3.02T vs $1.64B). ASB leads profitability with a 32.2% profit margin vs 26.5%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 82/100 (A-).
ASB
Strong Buy71
out of 100
Grade: B
HDB
Exceptional Buy82
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Revenue surging 21.6% year-over-year
Strong operational efficiency at 38.5%
Revenue surging 80.8% year-over-year
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 21.3% YoY
Areas to Watch
Expensive relative to growth rate
4.1% earnings growth
Distress zone — elevated risk
Trading at 10.0x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : ASB
The strongest argument for ASB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 46.8%. Revenue growth of 21.6% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 26.5% and operating margin at 38.5%. Revenue growth of 80.8% demonstrates continued momentum.
Bear Case : ASB
The primary concerns for ASB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
ASB carries more volatility with a beta of 0.81 — expect wider price swings.
HDB is growing revenue faster at 80.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (82/100 vs 71/100), backed by strong 26.5% margins and 80.8% revenue growth. Both earn "Exceptional 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.
Associated Banc-Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Associated Banc-Corp, a bank holding company, offers a variety of banking and non-banking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company is headquartered in Green Bay, Wisconsin.
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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