Bank of Marin Bancorp (BMRC)vsHDFC Bank Limited ADR (HDB)
BMRC
Bank of Marin Bancorp
$24.80
+0.40%
FINANCIAL SERVICES · Cap: $386.79M
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 9976166% more annual revenue ($2.85T vs $28.52M). HDB leads profitability with a 26.2% profit margin vs -125.1%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
BMRC
Buy55
out of 100
Grade: C-
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+6.1%
Fair Value
$29.02
Current Price
$24.80
$4.22 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 140.5%
Earnings expanding 67.9% 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
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -8.6% — below average capital efficiency
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BMRC
The strongest argument for BMRC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 13.0% 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 : BMRC
The primary concerns for BMRC are P/E Ratio, Market Cap, PEG Ratio.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
BMRC profiles as a turnaround stock while HDB is a growth play — different risk/reward profiles.
BMRC carries more volatility with a beta of 0.87 — expect wider price swings.
HDB is growing revenue faster at 26.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 55/100), backed by strong 26.2% margins and 26.4% revenue growth. Both earn "Strong Buy" and "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.
Bank of Marin Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank of Marin Bancorp is the holding company of Bank of Marin providing a range of financial services primarily to professionals, small and medium-sized businesses, individuals, and non-profit organizations in the San Francisco Bay Area, California in the United States. United. State. The company is headquartered in Novato, California.
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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