First Bancorp (FBNC)vsICICI Bank Limited (IBN)
FBNC
First Bancorp
$55.77
+1.47%
FINANCIAL SERVICES · Cap: $2.31B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 507992% more annual revenue ($1.92T vs $378.81M). FBNC leads profitability with a 29.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. FBNC earns a higher WallStSmart Score of 73/100 (B).
FBNC
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
+51.7%
Fair Value
$125.42
Current Price
$55.77
$69.65 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
Reasonable price relative to book value
Earnings expanding 341.0% YoY
Conservative balance sheet, low leverage
Keeps 29 of every $100 in revenue as profit
Strong operational efficiency at 23.0%
Revenue surging 21.5% 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
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Price/Book, EPS Growth, Debt/Equity. Profitability is solid with margins at 29.3% and operating margin at 23.0%. Revenue growth of 21.5% 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 : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FBNC profiles as a growth stock while IBN is a value play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.88 — expect wider price swings.
FBNC is growing revenue faster at 21.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FBNC scores higher overall (73/100 vs 69/100), backed by strong 29.3% margins and 21.5% 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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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