Atlantic Union Bankshares Corp (AUB)vsICICI Bank Limited (IBN)
AUB
Atlantic Union Bankshares Corp
$35.33
+1.12%
FINANCIAL SERVICES · Cap: $4.98B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 156055% more annual revenue ($1.92T vs $1.23B). IBN leads profitability with a 27.5% profit margin vs 22.2%. IBN appears more attractively valued with a PEG of 0.53. AUB earns a higher WallStSmart Score of 79/100 (B+).
AUB
Strong Buy79
out of 100
Grade: B+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+56.8%
Fair Value
$95.00
Current Price
$35.33
$59.67 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
Reasonable price relative to book value
Strong operational efficiency at 53.4%
Revenue surging 91.5% year-over-year
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.8% 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
ROE of 6.7% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : AUB
The strongest argument for AUB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.2% and operating margin at 53.4%. Revenue growth of 91.5% demonstrates continued momentum.
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 : AUB
The primary concerns for AUB are Return on Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AUB profiles as a growth stock while IBN is a value play — different risk/reward profiles.
AUB carries more volatility with a beta of 0.81 — expect wider price swings.
AUB is growing revenue faster at 91.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AUB scores higher overall (79/100 vs 69/100), backed by strong 22.2% margins and 91.5% 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.
Atlantic Union Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Atlantic Union Bankshares Corporation is the holding company of Atlantic Union Bank providing related banking and financial services to consumers and businesses. The company is headquartered in Richmond, Virginia.
Visit Website →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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