HDFC Bank Limited ADR (HDB)vsTrustmark Corporation (TRMK)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
TRMK
Trustmark Corporation
$42.08
+0.04%
FINANCIAL SERVICES · Cap: $2.48B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 361484% more annual revenue ($2.85T vs $786.91M). TRMK leads profitability with a 28.5% 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+
TRMK
Strong Buy65
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
+14.0%
Fair Value
$50.62
Current Price
$42.08
$8.54 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 35.1%
Keeps 29 of every $100 in revenue as profit
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
4.3% earnings growth
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 : TRMK
The strongest argument for TRMK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.5% and operating margin at 35.1%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : TRMK
The primary concerns for TRMK are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a growth stock while TRMK is a mature play — different risk/reward profiles.
TRMK carries more volatility with a beta of 0.65 — 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 65/100), backed by strong 26.2% margins and 26.4% revenue growth. 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 →Trustmark Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Trustmark Corporation is the banking holding company for Trustmark National Bank providing banking and financial solutions to individuals and corporate institutions in the United States. The company is headquartered in Jackson, Mississippi.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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