Commerce Bancshares Inc (CBSH)vsICICI Bank Limited (IBN)
CBSH
Commerce Bancshares Inc
$53.05
+1.14%
FINANCIAL SERVICES · Cap: $8.14B
IBN
ICICI Bank Limited
$25.95
+0.11%
FINANCIAL SERVICES · Cap: $90.62B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 121922% more annual revenue ($2.17T vs $1.78B). CBSH leads profitability with a 32.3% profit margin vs 24.9%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).
CBSH
Buy65
out of 100
Grade: C+
IBN
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 39.7%
Attractively priced relative to earnings
Reasonable price relative to book value
17.3% revenue growth
Strong operational efficiency at 33.3%
Revenue surging 66.9% year-over-year
Large-cap with strong market position
Keeps 25 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
3.1% earnings growth
Weak financial health signals
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CBSH
The strongest argument for CBSH centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 32.3% and operating margin at 39.7%. Revenue growth of 17.3% 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 : CBSH
The primary concerns for CBSH are PEG Ratio, EPS Growth, Piotroski F-Score.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score.
Key Dynamics to Monitor
CBSH carries more volatility with a beta of 0.60 — 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 65/100), backed by strong 24.9% margins and 66.9% revenue growth. Both earn "Exceptional 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.
Commerce Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.
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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