Atlantic Union Bankshares Corp (AUB)vsHDFC Bank Limited ADR (HDB)
AUB
Atlantic Union Bankshares Corp
$39.72
+0.25%
FINANCIAL SERVICES · Cap: $5.65B
HDB
HDFC Bank Limited ADR
$23.34
+6.87%
FINANCIAL SERVICES · Cap: $119.10B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 195535% more annual revenue ($2.95T vs $1.51B). AUB leads profitability with a 32.3% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. AUB earns a higher WallStSmart Score of 81/100 (A-).
AUB
Exceptional Buy81
out of 100
Grade: A-
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 32 of every $100 in revenue as profit
Strong operational efficiency at 56.1%
Revenue surging 35.8% year-over-year
Earnings expanding 835.0% YoY
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
ROE of 6.8% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Trading at 9.4x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : AUB
The strongest argument for AUB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 56.1%. Revenue growth of 35.8% 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 : 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 Price/Book.
Key Dynamics to Monitor
AUB carries more volatility with a beta of 0.77 — expect wider price swings.
AUB is growing revenue faster at 35.8% — 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
AUB scores higher overall (81/100 vs 76/100), backed by strong 32.3% margins and 35.8% 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.
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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