Hanmi Financial Corporation (HAFC)vsICICI Bank Limited (IBN)
HAFC
Hanmi Financial Corporation
$31.55
-0.85%
FINANCIAL SERVICES · Cap: $943.30M
IBN
ICICI Bank Limited
$30.23
+1.68%
FINANCIAL SERVICES · Cap: $105.63B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 732959% more annual revenue ($2.04T vs $277.92M). HAFC leads profitability with a 32.2% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. HAFC earns a higher WallStSmart Score of 80/100 (B+).
HAFC
Strong Buy80
out of 100
Grade: B+
IBN
Strong Buy71
out of 100
Grade: B
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 45.0%
Earnings expanding 58.0% YoY
Conservative balance sheet, low leverage
Strong operational efficiency at 38.5%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 45.0%. Revenue growth of 23.3% 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 38.5%. Revenue growth of 11.4% demonstrates continued momentum.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HAFC profiles as a growth stock while IBN is a mature play — different risk/reward profiles.
HAFC carries more volatility with a beta of 0.71 — expect wider price swings.
HAFC is growing revenue faster at 23.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HAFC scores higher overall (80/100 vs 71/100), backed by strong 32.2% margins and 23.3% 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.
Hanmi Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hanmi Financial Corporation is the holding company of Hanmi Bank offering commercial banking products and services in the United States. The company is headquartered in Los Angeles, California.
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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