ICICI Bank Limited (IBN)vsThe Bancorp Inc (TBBK)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
TBBK
The Bancorp Inc
$52.50
-0.85%
FINANCIAL SERVICES · Cap: $2.33B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 365708% more annual revenue ($1.92T vs $526.15M). TBBK leads profitability with a 43.4% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. TBBK earns a higher WallStSmart Score of 69/100 (B-).
IBN
Strong Buy69
out of 100
Grade: B-
TBBK
Strong Buy69
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
+55.1%
Fair Value
$127.13
Current Price
$52.50
$74.63 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
Every $100 of equity generates 31 in profit
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 59.8%
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
2.3% revenue growth
Negative free cash flow — burning cash
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 : TBBK
The strongest argument for TBBK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.4% and operating margin at 59.8%. 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 : TBBK
The primary concerns for TBBK are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
TBBK carries more volatility with a beta of 1.33 — expect wider price swings.
IBN is growing revenue faster at 3.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 69/100), backed by strong 27.5% margins. TBBK offers better value entry with a 55.1% margin of safety. 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 →The Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?