HDFC Bank Limited ADR (HDB)vsTrustCo Bank Corp NY (TRST)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
TRST
TrustCo Bank Corp NY
$43.17
-0.53%
FINANCIAL SERVICES · Cap: $733.46M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1567886% more annual revenue ($2.85T vs $181.46M). TRST leads profitability with a 31.3% profit margin vs 26.2%. TRST appears more attractively valued with a PEG of 0.63. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
TRST
Strong Buy73
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
+68.0%
Fair Value
$140.87
Current Price
$43.17
$97.70 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
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 47.0%
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 27.0% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : TRST
The strongest argument for TRST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 47.0%. Revenue growth of 10.3% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : TRST
The primary concerns for TRST are Market Cap.
Key Dynamics to Monitor
HDB profiles as a growth stock while TRST is a mature play — different risk/reward profiles.
TRST carries more volatility with a beta of 0.66 — 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 73/100), backed by strong 26.2% margins and 26.4% revenue growth. TRST offers better value entry with a 68.0% 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 →TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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