HDFC Bank Limited ADR (HDB)vsNorthwest Bancshares Inc (NWBI)
HDB
HDFC Bank Limited ADR
$21.55
+0.89%
FINANCIAL SERVICES · Cap: $109.84B
NWBI
Northwest Bancshares Inc
$15.22
-0.33%
FINANCIAL SERVICES · Cap: $2.23B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 435426% more annual revenue ($3.02T vs $693.21M). NWBI leads profitability with a 28.9% profit margin vs 26.5%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 82/100 (A-).
HDB
Exceptional Buy82
out of 100
Grade: A-
NWBI
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 38.5%
Revenue surging 80.8% year-over-year
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.1%
Earnings expanding 1600.0% YoY
Keeps 29 of every $100 in revenue as profit
Revenue surging 28.3% year-over-year
Areas to Watch
Trading at 8.6x book value
Expensive relative to growth rate
ROE of 7.0% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HDB
The strongest argument for HDB centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 26.5% and operating margin at 38.5%. Revenue growth of 80.8% demonstrates continued momentum.
Bull Case : NWBI
The strongest argument for NWBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 41.1%. Revenue growth of 28.3% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : NWBI
The primary concerns for NWBI are PEG Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
NWBI carries more volatility with a beta of 0.69 — expect wider price swings.
HDB is growing revenue faster at 80.8% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (82/100 vs 77/100), backed by strong 26.5% margins and 80.8% revenue growth. Both earn "Exceptional 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 →Northwest Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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