Bank of Marin Bancorp (BMRC)vsICICI Bank Limited (IBN)
BMRC
Bank of Marin Bancorp
$24.80
+0.40%
FINANCIAL SERVICES · Cap: $386.79M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 6748270% more annual revenue ($1.92T vs $28.52M). IBN leads profitability with a 27.5% profit margin vs -125.1%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 69/100 (B-).
BMRC
Buy55
out of 100
Grade: C-
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+6.1%
Fair Value
$29.02
Current Price
$24.80
$4.22 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 140.5%
Earnings expanding 67.9% 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
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -8.6% — below average capital efficiency
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : BMRC
The strongest argument for BMRC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 13.0% 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 : BMRC
The primary concerns for BMRC are P/E Ratio, Market Cap, PEG Ratio.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BMRC profiles as a turnaround stock while IBN is a value play — different risk/reward profiles.
BMRC carries more volatility with a beta of 0.87 — expect wider price swings.
BMRC is growing revenue faster at 13.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 55/100), 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.
Bank of Marin Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank of Marin Bancorp is the holding company of Bank of Marin providing a range of financial services primarily to professionals, small and medium-sized businesses, individuals, and non-profit organizations in the San Francisco Bay Area, California in the United States. United. State. The company is headquartered in Novato, California.
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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