ICICI Bank Limited (IBN)vsTompkins Financial Corporation (TMP)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
TMP
Tompkins Financial Corporation
$77.11
+1.23%
FINANCIAL SERVICES · Cap: $1.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 442291% more annual revenue ($1.92T vs $435.07M). TMP leads profitability with a 37.0% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. TMP earns a higher WallStSmart Score of 80/100 (A-).
IBN
Strong Buy69
out of 100
Grade: B-
TMP
Exceptional Buy80
out of 100
Grade: A-
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
+84.1%
Fair Value
$526.03
Current Price
$77.11
$448.92 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 37 of every $100 in revenue as profit
Strong operational efficiency at 72.1%
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
1.6% revenue growth
3.9% earnings growth
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 : TMP
The strongest argument for TMP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 72.1%.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
TMP carries more volatility with a beta of 0.75 — 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
TMP scores higher overall (80/100 vs 69/100), backed by strong 37.0% margins. Both earn "Exceptional 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 →Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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