Horizon Bancorp (HBNC)vsHDFC Bank Limited ADR (HDB)
HBNC
Horizon Bancorp
$18.64
+1.97%
FINANCIAL SERVICES · Cap: $962.43M
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates -12233060% more annual revenue ($2.83T vs $-23.16M). HDB leads profitability with a 26.8% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. HDB earns a higher WallStSmart Score of 68/100 (B-).
HBNC
Buy55
out of 100
Grade: C-
HDB
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 46.6%
Growing faster than its price suggests
Strong operational efficiency at 40.5%
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
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
ROE of -21.2% — below average capital efficiency
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : HBNC
The strongest argument for HBNC centers on Price/Book, Operating Margin, PEG Ratio. 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, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : HBNC
The primary concerns for HBNC are Market Cap, Profit Margin, Piotroski F-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
HBNC profiles as a value stock while HDB is a declining play — different risk/reward profiles.
HBNC carries more volatility with a beta of 0.83 — expect wider price swings.
HBNC is growing revenue faster at 8.5% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (68/100 vs 55/100), backed by strong 26.8% margins. Both earn "Strong 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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