Horizon Bancorp (HBNC)vsHDFC Bank Limited ADR (HDB)
HBNC
Horizon Bancorp
$20.69
-0.77%
FINANCIAL SERVICES · Cap: $1.03B
HDB
HDFC Bank Limited ADR
$21.55
+0.89%
FINANCIAL SERVICES · Cap: $109.84B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates -24379035% more annual revenue ($3.02T vs $-12.38M). HDB leads profitability with a 26.5% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. HDB earns a higher WallStSmart Score of 82/100 (A-).
HBNC
Buy59
out of 100
Grade: C
HDB
Exceptional Buy82
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 43.5%
Growing faster than its price suggests
Reasonable price relative to book value
16.9% revenue growth
Strong operational efficiency at 38.5%
Revenue surging 80.8% year-over-year
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
3.7% earnings growth
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
Trading at 8.6x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : HBNC
The strongest argument for HBNC centers on Operating Margin, PEG Ratio, Price/Book. Revenue growth of 16.9% demonstrates continued momentum. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 26.5% and operating margin at 38.5%. Revenue growth of 80.8% demonstrates continued momentum.
Bear Case : HBNC
The primary concerns for HBNC are EPS Growth, Market Cap, Profit Margin.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
HBNC carries more volatility with a beta of 0.83 — expect wider price swings.
HDB is growing revenue faster at 80.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (82/100 vs 59/100), backed by strong 26.5% margins and 80.8% revenue growth. Both earn "Exceptional Buy" and "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.
Horizon Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana.
Visit Website →HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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