WallStSmart

HSBC Holdings PLC ADR (HSBC)vsOld National Bancorp (ONB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 2434% more annual revenue ($67.43B vs $2.66B). HSBC leads profitability with a 37.8% profit margin vs 33.3%. HSBC appears more attractively valued with a PEG of 0.94. ONB earns a higher WallStSmart Score of 79/100 (B+).

HSBC

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 4/9Altman Z: -0.31

ONB

Strong Buy

79

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 2/9Altman Z: -0.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.0/10
Market CapQuality
$366.94B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
37.8%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
58.8%10/10

Strong operational efficiency at 58.8%

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
25.4%8/10

Revenue surging 25.4% year-over-year

ONB6 strengths · Avg: 9.7/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
52.5%10/10

Strong operational efficiency at 52.5%

EPS GrowthGrowth
92.9%10/10

Earnings expanding 92.9% YoY

Revenue GrowthGrowth
28.8%8/10

Revenue surging 28.8% year-over-year

Areas to Watch

HSBC3 concerns · Avg: 3.3/10
Price/BookValuation
8.4x4/10

Trading at 8.4x book value

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

Altman Z-ScoreHealth
-0.312/10

Distress zone — elevated risk

ONB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.672/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HSBC

The strongest argument for HSBC centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 37.8% and operating margin at 58.8%. Revenue growth of 25.4% demonstrates continued momentum.

Bull Case : ONB

The strongest argument for ONB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.3% and operating margin at 52.5%. Revenue growth of 28.8% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Price/Book, EPS Growth, Altman Z-Score.

Bear Case : ONB

The primary concerns for ONB are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

ONB carries more volatility with a beta of 0.83 — expect wider price swings.

ONB is growing revenue faster at 28.8% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ONB scores higher overall (79/100 vs 69/100), backed by strong 33.3% margins and 28.8% 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.

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.

Old National Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.

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