First Savings Financial Group Inc (FSFG)vsHDFC Bank Limited ADR (HDB)
FSFG
First Savings Financial Group Inc
$33.98
0.00%
FINANCIAL SERVICES · Cap: $238.37M
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 3378230% more annual revenue ($2.85T vs $84.22M). FSFG leads profitability with a 27.5% profit margin vs 26.2%. FSFG trades at a lower P/E of 10.2x. HDB earns a higher WallStSmart Score of 78/100 (B+).
FSFG
Strong Buy67
out of 100
Grade: B-
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.1%
Fair Value
$155.38
Current Price
$33.98
$121.40 discount
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
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 34.1%
Keeps 28 of every $100 in revenue as profit
Revenue surging 26.3% year-over-year
Earnings expanding 41.8% YoY
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FSFG
The strongest argument for FSFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.5% and operating margin at 34.1%. Revenue growth of 26.3% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bear Case : FSFG
The primary concerns for FSFG are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.40 is elevated, increasing financial risk.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
FSFG carries more volatility with a beta of 0.44 — expect wider price swings.
HDB is growing revenue faster at 26.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 67/100), backed by strong 26.2% margins and 26.4% revenue growth. FSFG offers better value entry with a 78.1% margin of safety. 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 Savings Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, Indiana.
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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