HSBC Holdings PLC ADR (HSBC)vsBank of N.T. Butterfield & Son Ltd (NTB)
HSBC
HSBC Holdings PLC ADR
$81.21
+2.45%
FINANCIAL SERVICES · Cap: $264.52B
NTB
Bank of N.T. Butterfield & Son Ltd
$51.84
+0.56%
FINANCIAL SERVICES · Cap: $2.14B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 10319% more annual revenue ($63.22B vs $606.79M). NTB leads profitability with a 38.2% profit margin vs 35.2%. HSBC appears more attractively valued with a PEG of 1.02. NTB earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
NTB
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.7%
Fair Value
$280.80
Current Price
$81.21
$199.59 discount
Margin of Safety
+77.8%
Fair Value
$240.24
Current Price
$51.84
$188.40 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 55.2%
Revenue surging 58.4% year-over-year
Attractively priced relative to earnings
Earnings expanding 24.0% YoY
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 32.3%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Earnings expanding 23.2% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HSBC
The strongest argument for HSBC centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 35.2% and operating margin at 55.2%. Revenue growth of 58.4% demonstrates continued momentum.
Bull Case : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.2% and operating margin at 32.3%.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.79 is elevated, increasing financial risk.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio.
Key Dynamics to Monitor
HSBC profiles as a growth stock while NTB is a mature play — different risk/reward profiles.
NTB carries more volatility with a beta of 0.53 — expect wider price swings.
HSBC is growing revenue faster at 58.4% — sustainability is the question.
HSBC generates stronger free cash flow (9.4B), providing more financial flexibility.
Bottom Line
HSBC scores higher overall (77/100 vs 77/100), backed by strong 35.2% margins and 58.4% revenue growth. NTB offers better value entry with a 77.8% 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.
HSBC Holdings PLC ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
HSBC Holdings plc offers banking and financial products and services globally. The company is headquartered in London, the United Kingdom.
Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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