ICICI Bank Limited (IBN)vsM&T Bank Corporation (MTB)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
MTB
M&T Bank Corporation
$204.75
+0.48%
FINANCIAL SERVICES · Cap: $30.36B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 20855% more annual revenue ($1.92T vs $9.19B). MTB leads profitability with a 31.0% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. MTB earns a higher WallStSmart Score of 71/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
MTB
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
+66.0%
Fair Value
$689.52
Current Price
$204.75
$484.77 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 31 of every $100 in revenue as profit
Strong operational efficiency at 41.4%
Earnings expanding 21.1% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
4.7% revenue growth
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 : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.0% and operating margin at 41.4%.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : MTB
The primary concerns for MTB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
MTB carries more volatility with a beta of 0.59 — expect wider price swings.
MTB is growing revenue faster at 4.7% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MTB scores higher overall (71/100 vs 69/100), backed by strong 31.0% 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 →M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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