HDFC Bank Limited ADR (HDB)vsTexas Capital Bancshares Inc (TCBIO)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
TCBIO
Texas Capital Bancshares Inc
$22.07
+0.87%
FINANCIAL SERVICES · Cap: $3.31B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 236857% more annual revenue ($2.85T vs $1.20B). TCBIO leads profitability with a 27.5% profit margin vs 26.2%. TCBIO trades at a lower P/E of 5.5x. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
TCBIO
Buy52
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
+88.3%
Fair Value
$185.28
Current Price
$22.07
$163.21 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
Strong operational efficiency at 42.5%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
19.1% revenue growth
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
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 : TCBIO
The strongest argument for TCBIO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.5% and operating margin at 42.5%. Revenue growth of 19.1% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : TCBIO
The primary concerns for TCBIO are Altman Z-Score.
Key Dynamics to Monitor
TCBIO carries more volatility with a beta of 0.69 — 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 52/100), backed by strong 26.2% margins and 26.4% revenue growth. TCBIO offers better value entry with a 88.3% margin of safety. 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 →Texas Capital Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Texas Capital Bancshares Inc (TCBIO), based in Dallas, Texas, is a prominent banking institution that delivers a wide array of financial solutions tailored to both commercial and private clients. The company specializes in business loans, treasury management, and personal banking services, underpinned by a commitment to customer relationship excellence and regional market knowledge. With a focus on disciplined risk management and strategic growth initiatives, TCBIO is well-positioned to navigate the competitive landscape and capitalize on emerging opportunities, thereby ensuring long-term value creation for its shareholders.
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