ICICI Bank Limited (IBN)vsSouthern Missouri Bancorp Inc (SMBC)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
SMBC
Southern Missouri Bancorp Inc
$62.75
-0.32%
FINANCIAL SERVICES · Cap: $702.49M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1052910% more annual revenue ($1.92T vs $182.78M). SMBC leads profitability with a 35.7% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. SMBC earns a higher WallStSmart Score of 72/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
SMBC
Strong Buy72
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
+75.8%
Fair Value
$267.73
Current Price
$62.75
$204.98 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 36 of every $100 in revenue as profit
Strong operational efficiency at 50.3%
Earnings expanding 24.7% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Smaller company, higher risk/reward
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 : SMBC
The strongest argument for SMBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.7% and operating margin at 50.3%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : SMBC
The primary concerns for SMBC are Market Cap.
Key Dynamics to Monitor
IBN profiles as a value stock while SMBC is a mature play — different risk/reward profiles.
SMBC carries more volatility with a beta of 0.96 — expect wider price swings.
SMBC is growing revenue faster at 8.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SMBC scores higher overall (72/100 vs 69/100), backed by strong 35.7% 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 →Southern Missouri Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern Missouri Bancorp, Inc. is the banking holding company for Southern Bank providing banking and financial services to individual and corporate clients in the United States. The company is headquartered in Poplar Bluff, Missouri.
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