ICICI Bank Limited (IBN)vsWashington Trust Bancorp Inc (WASH)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
WASH
Washington Trust Bancorp Inc
$33.16
+0.06%
FINANCIAL SERVICES · Cap: $630.98M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 875370% more annual revenue ($1.92T vs $219.85M). IBN leads profitability with a 27.5% profit margin vs 23.8%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 69/100 (B-).
IBN
Strong Buy69
out of 100
Grade: B-
WASH
Buy58
out of 100
Grade: C
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
-92.8%
Fair Value
$18.43
Current Price
$33.16
$14.73 premium
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 37.3%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
2.8% revenue growth
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
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 : WASH
The strongest argument for WASH centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 23.8% and operating margin at 37.3%.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : WASH
The primary concerns for WASH are Revenue Growth, Market Cap, Debt/Equity.
Key Dynamics to Monitor
WASH carries more volatility with a beta of 0.84 — 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 58/100), backed by strong 27.5% margins. Both earn "Strong Buy" and "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 →Washington Trust Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Trust Bancorp, Inc. is the banking holding company for The Washington Trust Company of Westerly, offering a variety of banking and financial services to individuals and businesses. The company is headquartered in Westerly, Rhode Island.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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