Cathay General Bancorp (CATY)vsHDFC Bank Limited ADR (HDB)
CATY
Cathay General Bancorp
$58.22
+0.07%
FINANCIAL SERVICES · Cap: $4.09B
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 368056% more annual revenue ($2.83T vs $769.55M). CATY leads profitability with a 43.2% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. CATY earns a higher WallStSmart Score of 77/100 (B+).
CATY
Strong Buy77
out of 100
Grade: B+
HDB
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 61.5%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 31.6% YoY
Strong operational efficiency at 40.5%
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
Areas to Watch
Distress zone — elevated risk
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : CATY
The strongest argument for CATY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 43.2% and operating margin at 61.5%. Revenue growth of 14.1% 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 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : CATY
The primary concerns for CATY are Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
CATY profiles as a mature stock while HDB is a declining play — different risk/reward profiles.
CATY carries more volatility with a beta of 0.86 — expect wider price swings.
CATY is growing revenue faster at 14.1% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
CATY scores higher overall (77/100 vs 68/100), backed by strong 43.2% margins and 14.1% 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.
Cathay General Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Cathay General Bancorp is the holding company of Cathay Bank offering various commercial banking products and services to individuals, professionals, and small and medium-sized businesses in the United States. The company is headquartered in Los Angeles, California.
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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