ICICI Bank Limited (IBN)vsTexas Capital Bancshares Inc (TCBI)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
TCBI
Texas Capital Bancshares Inc
$95.10
+0.55%
FINANCIAL SERVICES · Cap: $4.20B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 160188% more annual revenue ($1.92T vs $1.20B). TCBI leads profitability with a 27.5% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. TCBI earns a higher WallStSmart Score of 77/100 (B+).
IBN
Strong Buy69
out of 100
Grade: B-
TCBI
Strong Buy77
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
+67.6%
Fair Value
$317.77
Current Price
$95.10
$222.67 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
Reasonable price relative to book value
Strong operational efficiency at 42.5%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
19.1% revenue growth
Earnings expanding 49.0% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
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 : TCBI
The strongest argument for TCBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 42.5%. Revenue growth of 19.1% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : TCBI
The primary concerns for TCBI are Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while TCBI is a growth play — different risk/reward profiles.
TCBI carries more volatility with a beta of 0.69 — expect wider price swings.
TCBI is growing revenue faster at 19.1% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TCBI scores higher overall (77/100 vs 69/100), backed by strong 27.5% margins and 19.1% 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 →Texas Capital Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Texas Capital Bancshares, Inc. is the banking holding company for Texas Capital Bank, a National Association that offers various banking products and services for commercial companies, professionals and entrepreneurs. The company is headquartered in Dallas, Texas.
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