Atlantic Union Bankshares Corp (AUB)vsHDFC Bank Limited ADR (HDB)
AUB
Atlantic Union Bankshares Corp
$35.33
+1.12%
FINANCIAL SERVICES · Cap: $4.98B
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 230747% more annual revenue ($2.85T vs $1.23B). HDB leads profitability with a 26.2% profit margin vs 22.2%. HDB appears more attractively valued with a PEG of 1.01. AUB earns a higher WallStSmart Score of 79/100 (B+).
AUB
Strong Buy79
out of 100
Grade: B+
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+56.8%
Fair Value
$95.00
Current Price
$35.33
$59.67 discount
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 53.4%
Revenue surging 91.5% year-over-year
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.8% YoY
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Areas to Watch
ROE of 6.7% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AUB
The strongest argument for AUB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.2% and operating margin at 53.4%. Revenue growth of 91.5% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bear Case : AUB
The primary concerns for AUB are Return on Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
AUB carries more volatility with a beta of 0.81 — expect wider price swings.
AUB is growing revenue faster at 91.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AUB scores higher overall (79/100 vs 78/100), backed by strong 22.2% margins and 91.5% 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.
Atlantic Union Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Atlantic Union Bankshares Corporation is the holding company of Atlantic Union Bank providing related banking and financial services to consumers and businesses. The company is headquartered in Richmond, Virginia.
Visit Website →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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