Community Trust Bancorp Inc (CTBI)vsICICI Bank Limited (IBN)
CTBI
Community Trust Bancorp Inc
$60.15
-0.18%
FINANCIAL SERVICES · Cap: $1.06B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 712333% more annual revenue ($1.92T vs $270.16M). CTBI leads profitability with a 36.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. CTBI earns a higher WallStSmart Score of 74/100 (B).
CTBI
Strong Buy74
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.8%
Fair Value
$217.63
Current Price
$60.15
$157.48 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 36 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 20.8% 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
Smaller company, higher risk/reward
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : CTBI
The strongest argument for CTBI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.3% and operating margin at 50.4%. Revenue growth of 13.8% 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 : CTBI
The primary concerns for CTBI are Market Cap.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CTBI profiles as a mature stock while IBN is a value play — different risk/reward profiles.
CTBI carries more volatility with a beta of 0.57 — expect wider price swings.
CTBI is growing revenue faster at 13.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CTBI scores higher overall (74/100 vs 69/100), backed by strong 36.3% margins and 13.8% 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.
Community Trust Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Community Trust Bancorp, Inc. is the banking holding company for Community Trust Bank, Inc. providing commercial and personal banking services to small and medium-sized communities. The company is headquartered in Pikeville, Kentucky.
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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