WallStSmart

BOK Financial Corporation (BOKF)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 89252% more annual revenue ($2.04T vs $2.28B). BOKF leads profitability with a 28.5% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. BOKF earns a higher WallStSmart Score of 74/100 (B).

BOKF

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 6.3Quality: 4.0
Piotroski: 5/9Altman Z: -0.52

IBN

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 2/9Altman Z: -0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BOKF5 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
33.3%8/10

Earnings expanding 33.3% YoY

IBN5 strengths · Avg: 8.8/10
Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Market CapQuality
$107.56B9/10

Large-cap with strong market position

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

BOKF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.522/10

Distress zone — elevated risk

IBN2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BOKF

The strongest argument for BOKF centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 40.1%. PEG of 1.46 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 38.5%. Revenue growth of 11.4% demonstrates continued momentum.

Bear Case : BOKF

The primary concerns for BOKF are Altman Z-Score.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

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

IBN is growing revenue faster at 11.4% — sustainability is the question.

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

Bottom Line

BOKF scores higher overall (74/100 vs 71/100), backed by strong 28.5% margins. 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.

BOK Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BOK Financial Corporation is the financial holding company for BOKF, NA offering various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas / Missouri. The company is headquartered in Tulsa, Oklahoma.

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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.

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