HSBC Holdings PLC ADR (HSBC)vsWestamerica Bancorporation (WABC)
HSBC
HSBC Holdings PLC ADR
$91.86
+2.89%
FINANCIAL SERVICES · Cap: $318.28B
WABC
Westamerica Bancorporation
$54.82
-0.02%
FINANCIAL SERVICES · Cap: $1.30B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 24799% more annual revenue ($63.22B vs $253.92M). WABC leads profitability with a 44.3% profit margin vs 35.2%. HSBC appears more attractively valued with a PEG of 1.20. HSBC earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
WABC
Buy53
out of 100
Grade: C-
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
Earnings expanding 2398.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.2%
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 6.7%
Earnings declined 3.0%
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 : WABC
The strongest argument for WABC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 44.3% and operating margin at 60.2%.
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 : WABC
The primary concerns for WABC are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
HSBC profiles as a growth stock while WABC is a declining play — different risk/reward profiles.
WABC carries more volatility with a beta of 0.56 — 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 53/100), backed by strong 35.2% margins and 58.4% 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.
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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
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