ICICI Bank Limited (IBN)vsUnivest Corporation Pennsylvania (UVSP)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
UVSP
Univest Corporation Pennsylvania
$33.70
-0.30%
FINANCIAL SERVICES · Cap: $962.48M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 612299% more annual revenue ($1.92T vs $314.29M). UVSP leads profitability with a 28.9% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. UVSP earns a higher WallStSmart Score of 72/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
UVSP
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
+73.7%
Fair Value
$130.96
Current Price
$33.70
$97.26 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
Strong operational efficiency at 34.9%
Keeps 29 of every $100 in revenue as profit
Earnings expanding 21.9% 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 : UVSP
The strongest argument for UVSP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 34.9%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : UVSP
The primary concerns for UVSP are Market Cap.
Key Dynamics to Monitor
IBN profiles as a value stock while UVSP is a mature play — different risk/reward profiles.
UVSP carries more volatility with a beta of 0.63 — expect wider price swings.
UVSP is growing revenue faster at 6.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UVSP scores higher overall (72/100 vs 69/100), backed by strong 28.9% 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 →Univest Corporation Pennsylvania
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.
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