HDFC Bank Limited ADR (HDB)vsOld National Bancorp (ONB)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
ONB
Old National Bancorp
$21.77
+0.23%
FINANCIAL SERVICES · Cap: $8.48B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 123580% more annual revenue ($2.85T vs $2.30B). ONB leads profitability with a 29.1% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
ONB
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Margin of Safety
+59.4%
Fair Value
$61.43
Current Price
$21.77
$39.66 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 47.6%
Revenue surging 41.4% year-over-year
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bull Case : ONB
The strongest argument for ONB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 29.1% and operating margin at 47.6%. Revenue growth of 41.4% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : ONB
The primary concerns for ONB are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
ONB carries more volatility with a beta of 0.83 — expect wider price swings.
ONB is growing revenue faster at 41.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 75/100), backed by strong 26.2% margins and 26.4% revenue growth. ONB offers better value entry with a 59.4% margin of safety. 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.
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 →Old National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.
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