Amalgamated Bank (AMAL)vsICICI Bank Limited (IBN)
AMAL
Amalgamated Bank
$38.56
+1.02%
FINANCIAL SERVICES · Cap: $1.12B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 616000% more annual revenue ($1.92T vs $312.40M). AMAL leads profitability with a 33.4% profit margin vs 27.5%. AMAL trades at a lower P/E of 11.0x. IBN earns a higher WallStSmart Score of 69/100 (B-).
AMAL
Buy62
out of 100
Grade: C+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+51.6%
Fair Value
$83.75
Current Price
$38.56
$45.19 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 43.2%
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
Areas to Watch
Smaller company, higher risk/reward
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : AMAL
The strongest argument for AMAL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.4% and operating margin at 43.2%.
Bull 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.
Bear Case : AMAL
The primary concerns for AMAL are Market Cap.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AMAL profiles as a mature stock while IBN is a value play — different risk/reward profiles.
AMAL carries more volatility with a beta of 0.84 — expect wider price swings.
AMAL is growing revenue faster at 9.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 62/100), backed by strong 27.5% margins. AMAL offers better value entry with a 51.6% margin of safety. 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.
Amalgamated Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Amalgamated Finance Corporation The company is headquartered in New York, New York.
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 →Compare with Other BANKS - REGIONAL Stocks
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