HDFC Bank Limited ADR (HDB)vsPark National Corporation (PRK)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
PRK
Park National Corporation
$157.50
-0.16%
FINANCIAL SERVICES · Cap: $2.85B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 521306% more annual revenue ($2.85T vs $545.70M). PRK leads profitability with a 33.0% 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+
PRK
Buy61
out of 100
Grade: C+
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
+36.3%
Fair Value
$270.84
Current Price
$157.50
$113.34 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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 38.8%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
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 : PRK
The strongest argument for PRK centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.0% and operating margin at 38.8%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : PRK
The primary concerns for PRK are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a growth stock while PRK is a mature play — different risk/reward profiles.
PRK carries more volatility with a beta of 0.71 — expect wider price swings.
HDB is growing revenue faster at 26.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 61/100), backed by strong 26.2% margins and 26.4% revenue growth. PRK offers better value entry with a 36.3% margin of safety. 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.
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 →Park National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Park National Corporation is the bank holding company for Park National Bank providing commercial banking and trust services in small and medium population areas. The company is headquartered in Newark, Ohio.
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