WallStSmart

HSBC Holdings PLC ADR (HSBC)vsNSTS Bancorp Inc (NSTS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 636789% more annual revenue ($63.22B vs $9.93M). HSBC leads profitability with a 35.2% profit margin vs -3.9%. HSBC earns a higher WallStSmart Score of 77/100 (B+).

HSBC

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.33

NSTS

Avoid

31

out of 100

Grade: F

Growth: 6.7Profit: 3.0Value: 5.0Quality: 5.8
Piotroski: 7/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.7/10
Market CapQuality
$318.28B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
35.2%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
55.2%10/10

Strong operational efficiency at 55.2%

Revenue GrowthGrowth
58.4%10/10

Revenue surging 58.4% year-over-year

EPS GrowthGrowth
2398.0%10/10

Earnings expanding 2398.0% YoY

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

NSTS1 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

HSBC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

Debt/EquityHealth
2.791/10

Elevated debt levels

NSTS4 concerns · Avg: 2.5/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$66.30M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-0.5%2/10

ROE of -0.5% — below average capital efficiency

Profit MarginProfitability
-3.9%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : HSBC

The strongest argument for HSBC centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 35.2% and operating margin at 55.2%. Revenue growth of 58.4% demonstrates continued momentum.

Bull Case : NSTS

The strongest argument for NSTS centers on Price/Book.

Bear Case : HSBC

The primary concerns for HSBC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.79 is elevated, increasing financial risk.

Bear Case : NSTS

The primary concerns for NSTS are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

HSBC profiles as a growth stock while NSTS is a turnaround play — different risk/reward profiles.

HSBC carries more volatility with a beta of 0.56 — expect wider price swings.

HSBC is growing revenue faster at 58.4% — sustainability is the question.

HSBC generates stronger free cash flow (9.4B), providing more financial flexibility.

Bottom Line

HSBC scores higher overall (77/100 vs 31/100), backed by strong 35.2% margins and 58.4% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

HSBC Holdings PLC ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

HSBC Holdings plc offers banking and financial products and services globally. The company is headquartered in London, the United Kingdom.

NSTS Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NSTS Bancorp, Inc. is focused on operating as a savings and loan holding company for North Shore Trust and Savings which provides banking products and services in Illinois. The company is headquartered in Waukegan, Illinois.

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