HDFC Bank Limited ADR (HDB)vsTrustCo Bank Corp NY (TRST)
HDB
HDFC Bank Limited ADR
$21.55
+0.89%
FINANCIAL SERVICES · Cap: $109.84B
TRST
TrustCo Bank Corp NY
$56.70
+0.34%
FINANCIAL SERVICES · Cap: $948.96M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1522976% more annual revenue ($3.02T vs $198.22M). TRST leads profitability with a 33.4% profit margin vs 26.5%. TRST appears more attractively valued with a PEG of 0.63. HDB earns a higher WallStSmart Score of 82/100 (A-).
HDB
Exceptional Buy82
out of 100
Grade: A-
TRST
Strong Buy71
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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
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
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 : TRST
The strongest argument for TRST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.4% and operating margin at 47.2%. PEG of 0.63 suggests the stock is reasonably priced for its growth.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : TRST
The primary concerns for TRST are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a growth stock while TRST is a mature play — different risk/reward profiles.
TRST carries more volatility with a beta of 0.66 — 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.
Bottom Line
HDB scores higher overall (82/100 vs 71/100), 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 →TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?