Central Pacific Financial Corp (CPF)vsICICI Bank Limited (IBN)
CPF
Central Pacific Financial Corp
$31.80
+0.92%
FINANCIAL SERVICES · Cap: $817.88M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 694776% more annual revenue ($1.92T vs $276.99M). CPF leads profitability with a 28.0% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. CPF earns a higher WallStSmart Score of 78/100 (B+).
CPF
Strong Buy78
out of 100
Grade: B+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.6%
Fair Value
$133.85
Current Price
$31.80
$102.05 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
Strong operational efficiency at 40.2%
Earnings expanding 103.1% YoY
Keeps 28 of every $100 in revenue as profit
Revenue surging 28.3% year-over-year
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
Expensive relative to growth rate
Smaller company, higher risk/reward
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.0% and operating margin at 40.2%. Revenue growth of 28.3% 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 : CPF
The primary concerns for CPF are PEG Ratio, Market Cap.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CPF profiles as a growth stock while IBN is a value play — different risk/reward profiles.
CPF carries more volatility with a beta of 0.90 — expect wider price swings.
CPF is growing revenue faster at 28.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CPF scores higher overall (78/100 vs 69/100), backed by strong 28.0% margins and 28.3% 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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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