WallStSmart

East West Bancorp Inc (EWBC)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 71263% more annual revenue ($1.92T vs $2.70B). EWBC leads profitability with a 49.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. EWBC earns a higher WallStSmart Score of 74/100 (B).

EWBC

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 8.0Value: 7.3Quality: 5.0
Piotroski: 6/9

IBN

Strong Buy

69

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EWBCUndervalued (+69.5%)

Margin of Safety

+69.5%

Fair Value

$390.70

Current Price

$106.77

$283.93 discount

UndervaluedFair: $390.70Overvalued
IBNSignificantly Overvalued (-191.4%)

Margin of Safety

-191.4%

Fair Value

$10.68

Current Price

$26.31

$15.63 premium

UndervaluedFair: $10.68Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EWBC6 strengths · Avg: 9.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Profit MarginProfitability
49.1%10/10

Keeps 49 of every $100 in revenue as profit

Operating MarginProfitability
66.2%10/10

Strong operational efficiency at 66.2%

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
21.3%8/10

Revenue surging 21.3% year-over-year

EPS GrowthGrowth
21.4%8/10

Earnings expanding 21.4% YoY

IBN5 strengths · Avg: 8.8/10
Operating MarginProfitability
34.0%10/10

Strong operational efficiency at 34.0%

Market CapQuality
$95.10B9/10

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

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Areas to Watch

EWBC1 concerns · Avg: 2.0/10
PEG RatioValuation
5.582/10

Expensive relative to growth rate

IBN2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

EPS GrowthGrowth
-3.7%2/10

Earnings declined 3.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : EWBC

The strongest argument for EWBC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 49.1% and operating margin at 66.2%. Revenue growth of 21.3% 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 : EWBC

The primary concerns for EWBC are PEG Ratio.

Bear Case : IBN

The primary concerns for IBN are Revenue Growth, EPS Growth.

Key Dynamics to Monitor

EWBC profiles as a growth stock while IBN is a value play — different risk/reward profiles.

EWBC carries more volatility with a beta of 0.90 — expect wider price swings.

EWBC is growing revenue faster at 21.3% — sustainability is the question.

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

Bottom Line

EWBC scores higher overall (74/100 vs 69/100), backed by strong 49.1% margins and 21.3% 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.

East West Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

East West Bancorp, Inc. is the banking holding company for East West Bank providing a range of personal and commercial banking services to businesses and individuals in the United States and Greater China. The company is headquartered in Pasadena, California.

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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