Horizon Bancorp (HBNC)vsICICI Bank Limited (IBN)
HBNC
Horizon Bancorp
$20.69
-0.77%
FINANCIAL SERVICES · Cap: $1.03B
IBN
ICICI Bank Limited
$29.12
+1.46%
FINANCIAL SERVICES · Cap: $107.66B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates -17128773% more annual revenue ($2.12T vs $-12.38M). IBN leads profitability with a 27.8% profit margin vs 0.0%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).
HBNC
Buy59
out of 100
Grade: C
IBN
Exceptional Buy81
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 37.5%
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
Reasonable price relative to book value
Areas to Watch
3.7% earnings growth
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
Weak financial health signals
Distress zone — elevated risk
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 : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.8% and operating margin at 37.5%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : HBNC
The primary concerns for HBNC are EPS Growth, Market Cap, Profit Margin.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HBNC carries more volatility with a beta of 0.83 — expect wider price swings.
HBNC is growing revenue faster at 16.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (81/100 vs 59/100), backed by strong 27.8% margins and 15.8% 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 →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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