HSBC Holdings PLC ADR (HSBC)vsTompkins Financial Corporation (TMP)
HSBC
HSBC Holdings PLC ADR
$85.34
-1.36%
FINANCIAL SERVICES · Cap: $294.15B
TMP
Tompkins Financial Corporation
$101.64
+0.53%
FINANCIAL SERVICES · Cap: $1.47B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 14937% more annual revenue ($67.44B vs $448.50M). HSBC leads profitability with a 41.2% profit margin vs 40.2%. HSBC appears more attractively valued with a PEG of 0.80. TMP earns a higher WallStSmart Score of 74/100 (B).
HSBC
Strong Buy73
out of 100
Grade: B
TMP
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 56.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 43.5%
Reasonable price relative to book value
Earnings expanding 21.2% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
2.2% revenue growth
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : HSBC
The strongest argument for HSBC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 41.2% and operating margin at 50.4%. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bull Case : TMP
The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 43.5%.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
HSBC profiles as a mature stock while TMP is a value play — different risk/reward profiles.
TMP carries more volatility with a beta of 0.74 — expect wider price swings.
HSBC is growing revenue faster at 6.0% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TMP scores higher overall (74/100 vs 73/100), backed by strong 40.2% margins. 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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