Financial Institutions Inc (FISI)vsICICI Bank Limited (IBN)
FISI
Financial Institutions Inc
$31.25
-0.48%
FINANCIAL SERVICES · Cap: $615.79M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 824837% more annual revenue ($1.92T vs $233.31M). FISI leads profitability with a 32.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. FISI earns a higher WallStSmart Score of 80/100 (A-).
FISI
Exceptional Buy80
out of 100
Grade: A-
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.1%
Fair Value
$127.94
Current Price
$31.25
$96.69 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 32 of every $100 in revenue as profit
Strong operational efficiency at 41.2%
Revenue surging 30.0% year-over-year
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 : FISI
The strongest argument for FISI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.1% and operating margin at 41.2%. Revenue growth of 30.0% 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 : FISI
The primary concerns for FISI are Market Cap.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FISI profiles as a growth stock while IBN is a value play — different risk/reward profiles.
FISI carries more volatility with a beta of 0.68 — expect wider price swings.
FISI is growing revenue faster at 30.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FISI scores higher overall (80/100 vs 69/100), backed by strong 32.1% margins and 30.0% 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.
Financial Institutions Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York.
Visit Website →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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