Associated Banc-Corp (ASB)vsHDFC Bank Limited ADR (HDB)
ASB
Associated Banc-Corp
$31.28
+0.39%
FINANCIAL SERVICES · Cap: $5.83B
HDB
HDFC Bank Limited ADR
$23.63
-0.59%
FINANCIAL SERVICES · Cap: $123.96B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 189472% more annual revenue ($2.95T vs $1.56B). ASB leads profitability with a 32.5% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 76/100 (B+).
ASB
Strong Buy67
out of 100
Grade: B-
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Revenue surging 23.5% year-over-year
Strong operational efficiency at 33.3%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
16.6% revenue growth
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Earnings declined 3.1%
Distress zone — elevated risk
Trading at 9.6x 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 32.5% and operating margin at 41.3%. Revenue growth of 23.5% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : ASB
The primary concerns for ASB are PEG Ratio, Debt/Equity, EPS Growth.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
ASB carries more volatility with a beta of 0.77 — expect wider price swings.
ASB is growing revenue faster at 23.5% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (76/100 vs 67/100), backed by strong 26.8% margins and 16.6% 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.
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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