HDFC Bank Limited ADR (HDB)vsInternational Bancshares Corporation (IBOC)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
IBOC
International Bancshares Corporation
$67.71
-0.19%
FINANCIAL SERVICES · Cap: $4.24B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 346167% more annual revenue ($2.85T vs $821.72M). IBOC leads profitability with a 51.2% profit margin vs 26.2%. IBOC appears more attractively valued with a PEG of 0.98. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
IBOC
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Margin of Safety
+49.2%
Fair Value
$141.15
Current Price
$67.71
$73.44 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 64.7%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : IBOC
The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 51.2% and operating margin at 64.7%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : IBOC
The primary concerns for IBOC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a growth stock while IBOC is a mature play — different risk/reward profiles.
IBOC carries more volatility with a beta of 0.74 — 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 71/100), backed by strong 26.2% margins and 26.4% revenue growth. IBOC offers better value entry with a 49.2% 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.
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 →International Bancshares Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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