ICICI Bank Limited (IBN)vsTrustCo Bank Corp NY (TRST)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
TRST
TrustCo Bank Corp NY
$43.17
-0.53%
FINANCIAL SERVICES · Cap: $733.46M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1060553% more annual revenue ($1.92T vs $181.46M). TRST leads profitability with a 31.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. TRST earns a higher WallStSmart Score of 73/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
TRST
Strong Buy73
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
+68.0%
Fair Value
$140.87
Current Price
$43.17
$97.70 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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 47.0%
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 27.0% 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 : TRST
The strongest argument for TRST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 47.0%. Revenue growth of 10.3% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : TRST
The primary concerns for TRST are Market Cap.
Key Dynamics to Monitor
IBN profiles as a value stock while TRST is a mature play — different risk/reward profiles.
TRST carries more volatility with a beta of 0.66 — expect wider price swings.
TRST is growing revenue faster at 10.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRST scores higher overall (73/100 vs 69/100), backed by strong 31.3% margins and 10.3% 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 →TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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