HDFC Bank Limited ADR (HDB)vsThe Bancorp Inc (TBBK)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
TBBK
The Bancorp Inc
$52.50
-0.85%
FINANCIAL SERVICES · Cap: $2.33B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 540682% more annual revenue ($2.85T vs $526.15M). TBBK leads profitability with a 43.4% 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+
TBBK
Strong Buy69
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
+55.1%
Fair Value
$127.13
Current Price
$52.50
$74.63 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
Every $100 of equity generates 31 in profit
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 59.8%
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
2.3% revenue growth
Negative free cash flow — burning cash
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 : TBBK
The strongest argument for TBBK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.4% and operating margin at 59.8%. PEG of 1.07 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 : TBBK
The primary concerns for TBBK are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
HDB profiles as a growth stock while TBBK is a value play — different risk/reward profiles.
TBBK carries more volatility with a beta of 1.33 — 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 69/100), backed by strong 26.2% margins and 26.4% revenue growth. TBBK offers better value entry with a 55.1% 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.
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 →The Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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