F.N.B. Corp (FNB)vsHDFC Bank Limited ADR (HDB)
FNB
F.N.B. Corp
$18.98
-0.13%
FINANCIAL SERVICES · Cap: $6.67B
HDB
HDFC Bank Limited ADR
$24.13
+0.42%
FINANCIAL SERVICES · Cap: $135.43B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 168897% more annual revenue ($2.95T vs $1.75B). FNB leads profitability with a 34.6% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 76/100 (B+).
FNB
Strong Buy74
out of 100
Grade: B
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.5%
Strong operational efficiency at 33.3%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Areas to Watch
Distress zone — elevated risk
Trading at 10.2x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : FNB
The strongest argument for FNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.6% and operating margin at 44.5%. PEG of 1.05 suggests the stock is reasonably priced for its growth.
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 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : FNB
The primary concerns for FNB are Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
FNB profiles as a mature stock while HDB is a growth play — different risk/reward profiles.
FNB carries more volatility with a beta of 0.86 — expect wider price swings.
HDB is growing revenue faster at 16.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (76/100 vs 74/100), backed by strong 26.8% margins and 16.6% 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.
F.N.B. Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, Pennsylvania.
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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