Hbt Financial Inc (HBT)vsICICI Bank Limited (IBN)
HBT
Hbt Financial Inc
$26.74
-0.22%
FINANCIAL SERVICES · Cap: $954.36M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 822690% more annual revenue ($1.92T vs $233.92M). HBT leads profitability with a 32.9% profit margin vs 27.5%. HBT trades at a lower P/E of 10.7x. IBN earns a higher WallStSmart Score of 69/100 (B-).
HBT
Hold49
out of 100
Grade: D+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-70.6%
Fair Value
$16.59
Current Price
$26.74
$10.15 premium
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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
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
1.1% revenue growth
Smaller company, higher risk/reward
Earnings declined 6.3%
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : HBT
The strongest argument for HBT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.9% and operating margin at 46.1%.
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 : HBT
The primary concerns for HBT are Revenue Growth, Market Cap, EPS Growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HBT carries more volatility with a beta of 0.56 — expect wider price swings.
IBN is growing revenue faster at 3.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 49/100), backed by strong 27.5% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hbt Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.
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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