HDFC Bank Limited ADR (HDB)vsBank Ozk (OZK)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
OZK
Bank Ozk
$45.02
+0.72%
FINANCIAL SERVICES · Cap: $5.00B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 182839% more annual revenue ($2.85T vs $1.56B). OZK leads profitability with a 46.0% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
OZK
Buy64
out of 100
Grade: C+
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
-15.7%
Fair Value
$42.57
Current Price
$45.02
$2.45 premium
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 46 of every $100 in revenue as profit
Strong operational efficiency at 58.6%
Conservative balance sheet, low leverage
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
4.0% revenue growth
Expensive relative to growth rate
Earnings declined 1.3%
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 : OZK
The strongest argument for OZK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 46.0% and operating margin at 58.6%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : OZK
The primary concerns for OZK are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
HDB profiles as a growth stock while OZK is a value play — different risk/reward profiles.
OZK carries more volatility with a beta of 0.94 — 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 64/100), backed by strong 26.2% margins and 26.4% revenue growth. Both earn "Strong Buy" and "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 →Bank Ozk
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank OZK offers a variety of retail and commercial banking services. The company is headquartered in Little Rock, Arkansas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?