Associated Banc-Corp (ASB)vsHDFC Bank Limited ADR (HDB)
ASB
Associated Banc-Corp
$28.55
+0.28%
FINANCIAL SERVICES · Cap: $5.38B
HDB
HDFC Bank Limited ADR
$25.02
-2.53%
FINANCIAL SERVICES · Cap: $131.53B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 192124% more annual revenue ($2.83T vs $1.47B). ASB leads profitability with a 33.4% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. ASB earns a higher WallStSmart Score of 73/100 (B).
ASB
Strong Buy73
out of 100
Grade: B
HDB
Strong Buy68
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 44.5%
Strong operational efficiency at 40.5%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Trading at 10.3x book value
Elevated debt levels
Revenue declined 1.8%
Distress zone — elevated risk
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 33.4% and operating margin at 44.5%. Revenue growth of 12.2% 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 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : ASB
The primary concerns for ASB are PEG Ratio.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
ASB profiles as a mature stock while HDB is a declining play — different risk/reward profiles.
ASB carries more volatility with a beta of 0.79 — expect wider price swings.
ASB is growing revenue faster at 12.2% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
ASB scores higher overall (73/100 vs 68/100), backed by strong 33.4% margins and 12.2% 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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