Cathay General Bancorp (CATY)vsICICI Bank Limited (IBN)
CATY
Cathay General Bancorp
$49.50
+1.08%
FINANCIAL SERVICES · Cap: $3.33B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 258159% more annual revenue ($1.92T vs $745.26M). CATY leads profitability with a 42.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. CATY earns a higher WallStSmart Score of 73/100 (B).
CATY
Strong Buy73
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.5%
Fair Value
$168.89
Current Price
$49.50
$119.39 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 61.8%
19.6% revenue growth
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : CATY
The strongest argument for CATY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 42.3% and operating margin at 61.8%. Revenue growth of 19.6% demonstrates continued momentum.
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 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : CATY
No major red flags identified for CATY, but monitor valuation.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CATY profiles as a growth stock while IBN is a value play — different risk/reward profiles.
CATY carries more volatility with a beta of 0.84 — expect wider price swings.
CATY is growing revenue faster at 19.6% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CATY scores higher overall (73/100 vs 69/100), backed by strong 42.3% margins and 19.6% 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 →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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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