Horizon Bancorp (HBNC)vsICICI Bank Limited (IBN)
HBNC
Horizon Bancorp
$16.23
-0.18%
FINANCIAL SERVICES · Cap: $809.88M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates -6668739% more annual revenue ($1.92T vs $-28.86M). IBN leads profitability with a 27.5% profit margin vs 0.0%. IBN appears more attractively valued with a PEG of 0.53. HBNC earns a higher WallStSmart Score of 71/100 (B).
HBNC
Strong Buy71
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for HBNC.
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
Reasonable price relative to book value
Strong operational efficiency at 47.3%
Growing faster than its price suggests
Earnings expanding 46.9% 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
2.2% revenue growth
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
3.0% revenue growth
Earnings declined 3.7%
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 : 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 : HBNC
The primary concerns for HBNC are Revenue Growth, Market Cap, Profit Margin.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HBNC carries more volatility with a beta of 0.81 — expect wider price swings.
IBN is growing revenue faster at 3.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HBNC scores higher overall (71/100 vs 69/100). 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.
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 →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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