AmeriServ Financial Inc (ASRV)vsICICI Bank Limited (IBN)
ASRV
AmeriServ Financial Inc
$3.56
-2.73%
FINANCIAL SERVICES · Cap: $51.05M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 3598282% more annual revenue ($1.92T vs $53.49M). IBN leads profitability with a 27.5% profit margin vs 9.5%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 69/100 (B-).
ASRV
Strong Buy68
out of 100
Grade: B-
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$14.04
Current Price
$3.56
$10.48 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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 114.3% YoY
Growing faster than its price suggests
Strong operational efficiency at 22.2%
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
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
Negative free cash flow — burning cash
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : ASRV
The strongest argument for ASRV centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 14.5% demonstrates continued momentum. PEG of 0.95 suggests the stock is reasonably priced for its growth.
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 : ASRV
The primary concerns for ASRV are Market Cap, Return on Equity, Free Cash Flow.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ASRV carries more volatility with a beta of 0.44 — expect wider price swings.
ASRV is growing revenue faster at 14.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 68/100), backed by strong 27.5% margins. ASRV offers better value entry with a 74.7% margin of safety. 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.
AmeriServ Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
AmeriServ Financial, Inc. is the banking holding company for AmeriServ Financial Bank offering a variety of consumer, mortgage and commercial financial products. The company is headquartered in Johnstown, Pennsylvania.
Visit Website →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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