WallStSmart

Associated Banc-Corp (ASB)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 147437% more annual revenue ($2.17T vs $1.47B). ASB leads profitability with a 33.4% profit margin vs 24.9%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).

ASB

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ASB4 strengths · Avg: 10.0/10
P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.4%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
44.5%10/10

Strong operational efficiency at 44.5%

IBN6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Revenue GrowthGrowth
66.9%10/10

Revenue surging 66.9% year-over-year

Market CapQuality
$95.83B9/10

Large-cap with strong market position

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

Areas to Watch

ASB1 concerns · Avg: 4.0/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

IBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull 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 : IBN

The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.

Bear Case : ASB

The primary concerns for ASB are PEG Ratio.

Bear Case : IBN

No major red flags identified for IBN, but monitor valuation.

Key Dynamics to Monitor

ASB profiles as a mature stock while IBN is a growth play — different risk/reward profiles.

ASB carries more volatility with a beta of 0.79 — expect wider price swings.

IBN is growing revenue faster at 66.9% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBN scores higher overall (81/100 vs 73/100), backed by strong 24.9% margins and 66.9% 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.

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 →

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