ICICI Bank Limited (IBN)vsOP Bancorp (OPBK)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
OPBK
OP Bancorp
$13.29
+0.61%
FINANCIAL SERVICES · Cap: $192.39M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 2112636% more annual revenue ($1.92T vs $91.10M). OPBK leads profitability with a 28.1% profit margin vs 27.5%. OPBK trades at a lower P/E of 7.5x. OPBK earns a higher WallStSmart Score of 71/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
OPBK
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
+82.6%
Fair Value
$80.50
Current Price
$13.29
$67.21 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
Strong operational efficiency at 44.5%
Keeps 28 of every $100 in revenue as profit
Revenue surging 20.3% year-over-year
Earnings expanding 42.7% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : OPBK
The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 44.5%. Revenue growth of 20.3% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while OPBK is a growth play — different risk/reward profiles.
OPBK carries more volatility with a beta of 0.62 — expect wider price swings.
OPBK is growing revenue faster at 20.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OPBK scores higher overall (71/100 vs 69/100), backed by strong 28.1% margins and 20.3% revenue growth. 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 →OP Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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