WallStSmart

Camden National Corporation (CAC)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 881521% more annual revenue ($2.17T vs $246.65M). CAC leads profitability with a 32.3% profit margin vs 24.9%. CAC trades at a lower P/E of 10.7x. IBN earns a higher WallStSmart Score of 81/100 (A-).

CAC

Strong Buy

72

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 0.34

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 4.3
Piotroski: 2/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CAC6 strengths · Avg: 9.7/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
47.6%10/10

Strong operational efficiency at 47.6%

EPS GrowthGrowth
200.0%10/10

Earnings expanding 200.0% YoY

Revenue GrowthGrowth
26.0%8/10

Revenue surging 26.0% year-over-year

IBN6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Revenue GrowthGrowth
66.9%10/10

Revenue surging 66.9% year-over-year

Market CapQuality
$90.62B9/10

Large-cap with strong market position

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Areas to Watch

CAC2 concerns · Avg: 2.5/10
Market CapQuality
$852.16M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

IBN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CAC

The strongest argument for CAC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 47.6%. Revenue growth of 26.0% demonstrates continued momentum.

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.

Bear Case : CAC

The primary concerns for CAC are Market Cap, Altman Z-Score.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score.

Key Dynamics to Monitor

CAC carries more volatility with a beta of 0.55 — expect wider price swings.

IBN is growing revenue faster at 66.9% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBN scores higher overall (81/100 vs 72/100), backed by strong 24.9% margins and 66.9% revenue growth. 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.

Camden National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Camden National Corporation is the banking holding company for Camden National Bank offering commercial and consumer banking products and services to consumer, institutional, municipal, non-profit and commercial clients. The company is headquartered in Camden, Maine.

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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.

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