ICICI Bank Limited (IBN)vsZions Bancorporation (ZION)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
ZION
Zions Bancorporation
$57.20
+1.74%
FINANCIAL SERVICES · Cap: $8.31B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 57995% more annual revenue ($1.92T vs $3.31B). IBN leads profitability with a 27.5% profit margin vs 27.1%. IBN appears more attractively valued with a PEG of 0.53. ZION earns a higher WallStSmart Score of 73/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
ZION
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
+77.6%
Fair Value
$281.27
Current Price
$57.20
$224.07 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 38.8%
Keeps 27 of every $100 in revenue as profit
Earnings expanding 31.4% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
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 : ZION
The strongest argument for ZION centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.1% and operating margin at 38.8%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : ZION
The primary concerns for ZION are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while ZION is a mature play — different risk/reward profiles.
ZION carries more volatility with a beta of 0.82 — expect wider price swings.
ZION is growing revenue faster at 13.6% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ZION scores higher overall (73/100 vs 69/100), backed by strong 27.1% margins and 13.6% 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 →Zions Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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