HDFC Bank Limited ADR (HDB)vsPeapack-Gladstone Financial (PGC)
HDB
HDFC Bank Limited ADR
$21.55
+0.89%
FINANCIAL SERVICES · Cap: $109.84B
PGC
Peapack-Gladstone Financial
$45.91
-0.56%
FINANCIAL SERVICES · Cap: $805.38M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1045721% more annual revenue ($3.02T vs $288.68M). HDB leads profitability with a 26.5% profit margin vs 18.0%. PGC appears more attractively valued with a PEG of 0.64. HDB earns a higher WallStSmart Score of 82/100 (A-).
HDB
Exceptional Buy82
out of 100
Grade: A-
PGC
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 30.5%
Earnings expanding 91.2% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Trading at 8.6x book value
Smaller company, higher risk/reward
ROE of 7.3% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PGC
The strongest argument for PGC centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 18.0% and operating margin at 30.5%. Revenue growth of 23.4% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
PGC carries more volatility with a beta of 0.72 — expect wider price swings.
HDB is growing revenue faster at 80.8% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (82/100 vs 78/100), backed by strong 26.5% margins and 80.8% revenue growth. Both earn "Exceptional 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 →Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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