HDFC Bank Limited ADR (HDB)vsWashington Trust Bancorp Inc (WASH)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
WASH
Washington Trust Bancorp Inc
$33.16
+0.06%
FINANCIAL SERVICES · Cap: $630.98M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1294126% more annual revenue ($2.85T vs $219.85M). HDB leads profitability with a 26.2% profit margin vs 23.8%. 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+
WASH
Buy58
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
-92.8%
Fair Value
$18.43
Current Price
$33.16
$14.73 premium
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
Strong operational efficiency at 37.3%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
2.8% revenue growth
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
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 : WASH
The strongest argument for WASH centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 23.8% and operating margin at 37.3%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : WASH
The primary concerns for WASH are Revenue Growth, Market Cap, Debt/Equity.
Key Dynamics to Monitor
HDB profiles as a growth stock while WASH is a value play — different risk/reward profiles.
WASH carries more volatility with a beta of 0.84 — 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 58/100), backed by strong 26.2% margins and 26.4% revenue growth. 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 →Washington Trust Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Trust Bancorp, Inc. is the banking holding company for The Washington Trust Company of Westerly, offering a variety of banking and financial services to individuals and businesses. The company is headquartered in Westerly, Rhode Island.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?