Associated Banc-Corp (ASB)vsICICI Bank Limited (IBN)
ASB
Associated Banc-Corp
$25.24
+1.12%
FINANCIAL SERVICES · Cap: $4.14B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 134161% more annual revenue ($1.92T vs $1.43B). ASB leads profitability with a 33.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. ASB earns a higher WallStSmart Score of 82/100 (A-).
ASB
Exceptional Buy82
out of 100
Grade: A-
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.2%
Fair Value
$129.64
Current Price
$25.24
$104.40 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 45.3%
Earnings expanding 30.4% YoY
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
Expensive relative to growth rate
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : ASB
The strongest argument for ASB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 45.3%.
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 : ASB
The primary concerns for ASB are PEG Ratio.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ASB profiles as a mature stock while IBN is a value play — different risk/reward profiles.
ASB carries more volatility with a beta of 0.79 — expect wider price swings.
ASB is growing revenue faster at 7.2% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ASB scores higher overall (82/100 vs 69/100), backed by strong 33.1% margins. Both earn "Exceptional 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.
Associated Banc-Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Associated Banc-Corp, a bank holding company, offers a variety of banking and non-banking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company is headquartered in Green Bay, Wisconsin.
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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