HDFC Bank Limited ADR (HDB)vsValley National Bancorp (VLY)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
VLY
Valley National Bancorp
$12.27
0.00%
FINANCIAL SERVICES · Cap: $6.84B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 154185% more annual revenue ($2.85T vs $1.84B). VLY leads profitability with a 32.4% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. VLY earns a higher WallStSmart Score of 84/100 (A-).
HDB
Strong Buy78
out of 100
Grade: B+
VLY
Exceptional Buy84
out of 100
Grade: A-
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
+71.7%
Fair Value
$47.27
Current Price
$12.27
$35.00 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 32 of every $100 in revenue as profit
Strong operational efficiency at 46.5%
Revenue surging 38.3% year-over-year
Earnings expanding 66.7% YoY
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
ROE of 7.8% — below average capital efficiency
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 : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.4% and operating margin at 46.5%. Revenue growth of 38.3% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : VLY
The primary concerns for VLY are Return on Equity.
Key Dynamics to Monitor
VLY carries more volatility with a beta of 1.06 — expect wider price swings.
VLY is growing revenue faster at 38.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
VLY scores higher overall (84/100 vs 78/100), backed by strong 32.4% margins and 38.3% revenue growth. Both earn "Exceptional 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 →Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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