First Bancorp (FBP)vsICICI Bank Limited (IBN)
FBP
First Bancorp
$21.07
+0.19%
FINANCIAL SERVICES · Cap: $3.32B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 210283% more annual revenue ($1.92T vs $914.86M). FBP leads profitability with a 37.7% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. FBP earns a higher WallStSmart Score of 71/100 (B).
FBP
Strong Buy71
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.6%
Fair Value
$86.17
Current Price
$21.07
$65.10 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
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 45.9%
Reasonable price relative to book value
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
Expensive relative to growth rate
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.7% and operating margin at 45.9%.
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 : FBP
The primary concerns for FBP are PEG Ratio.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FBP profiles as a mature stock while IBN is a value play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.85 — expect wider price swings.
FBP is growing revenue faster at 6.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FBP scores higher overall (71/100 vs 69/100), backed by strong 37.7% margins. 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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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