First Mid Illinois Bancshares Inc (FMBH)vsICICI Bank Limited (IBN)
FMBH
First Mid Illinois Bancshares Inc
$40.56
0.00%
FINANCIAL SERVICES · Cap: $1.05B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 567165% more annual revenue ($1.92T vs $339.30M). IBN leads profitability with a 27.5% profit margin vs 27.0%. IBN appears more attractively valued with a PEG of 0.53. FMBH earns a higher WallStSmart Score of 71/100 (B).
FMBH
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
+74.9%
Fair Value
$171.89
Current Price
$40.56
$131.33 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
Strong operational efficiency at 39.6%
Keeps 27 of every $100 in revenue as profit
Earnings expanding 23.8% 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 : FMBH
The strongest argument for FMBH centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.0% and operating margin at 39.6%. PEG of 1.27 suggests the stock is reasonably priced for its growth.
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 : FMBH
The primary concerns for FMBH are Market Cap.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FMBH profiles as a mature stock while IBN is a value play — different risk/reward profiles.
FMBH carries more volatility with a beta of 0.85 — expect wider price swings.
FMBH is growing revenue faster at 5.1% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FMBH scores higher overall (71/100 vs 69/100), backed by strong 27.0% 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 Mid Illinois Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail and agricultural clients in the United States. The company is headquartered in Mattoon, Illinois.
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
Want to dig deeper into these stocks?