ICICI Bank Limited (IBN)vsInternational Bancshares Corporation (IBOC)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
IBOC
International Bancshares Corporation
$67.71
-0.19%
FINANCIAL SERVICES · Cap: $4.24B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 234130% more annual revenue ($1.92T vs $821.72M). IBOC leads profitability with a 51.2% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. IBOC earns a higher WallStSmart Score of 71/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
IBOC
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Margin of Safety
+49.2%
Fair Value
$141.15
Current Price
$67.71
$73.44 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 64.7%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bull Case : IBOC
The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 51.2% and operating margin at 64.7%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : IBOC
The primary concerns for IBOC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while IBOC is a mature play — different risk/reward profiles.
IBOC carries more volatility with a beta of 0.74 — expect wider price swings.
IBOC is growing revenue faster at 6.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBOC scores higher overall (71/100 vs 69/100), backed by strong 51.2% 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.
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.
Visit Website →International Bancshares Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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