WallStSmart

HomeTrust Bancshares, Inc. (HTB)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 969728% more annual revenue ($2.04T vs $210.07M). HTB leads profitability with a 30.9% profit margin vs 27.5%. HTB trades at a lower P/E of 12.3x. IBN earns a higher WallStSmart Score of 79/100 (B+).

HTB

Buy

52

out of 100

Grade: C-

Growth: 4.0Profit: 7.5Value: 6.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

IBN

Strong Buy

79

out of 100

Grade: B+

Growth: 6.7Profit: 7.5Value: 7.0Quality: 3.5
Piotroski: 2/9Altman Z: -0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HTB5 strengths · Avg: 9.4/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.9%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
38.9%10/10

Strong operational efficiency at 38.9%

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

IBN6 strengths · Avg: 8.7/10
Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Market CapQuality
$103.54B9/10

Large-cap with strong market position

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

HTB4 concerns · Avg: 2.3/10
Market CapQuality
$777.75M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-1.0%2/10

Revenue declined 1.0%

EPS GrowthGrowth
-6.0%2/10

Earnings declined 6.0%

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

IBN2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HTB

The strongest argument for HTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.9% and operating margin at 38.9%.

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 38.5%. Revenue growth of 11.4% demonstrates continued momentum.

Bear Case : HTB

The primary concerns for HTB are Market Cap, Revenue Growth, EPS Growth.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

HTB profiles as a declining stock while IBN is a mature play — different risk/reward profiles.

HTB carries more volatility with a beta of 0.80 — expect wider price swings.

IBN is growing revenue faster at 11.4% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (79/100 vs 52/100), backed by strong 27.5% margins and 11.4% 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.

HomeTrust Bancshares, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.

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ICICI Bank Limited

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.

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