HDFC Bank Limited ADR (HDB)vsUMB Financial Corporation (UMBF)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
UMBF
UMB Financial Corporation
$112.72
+0.96%
FINANCIAL SERVICES · Cap: $8.50B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 113816% more annual revenue ($2.85T vs $2.50B). UMBF leads profitability with a 28.1% 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+
UMBF
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
+47.2%
Fair Value
$250.46
Current Price
$112.72
$137.74 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 43.0%
Revenue surging 67.6% year-over-year
Keeps 28 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
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 : UMBF
The strongest argument for UMBF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.1% and operating margin at 43.0%. Revenue growth of 67.6% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
UMBF carries more volatility with a beta of 0.77 — expect wider price swings.
UMBF is growing revenue faster at 67.6% — 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. UMBF offers better value entry with a 47.2% 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 →UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?