WallStSmart

HSBC Holdings PLC ADR (HSBC)vsOld National Bancorp (ONB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 2444% more annual revenue ($63.77B vs $2.51B). HSBC leads profitability with a 35.0% profit margin vs 30.2%. HSBC appears more attractively valued with a PEG of 0.90. ONB earns a higher WallStSmart Score of 81/100 (A-).

HSBC

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 4/9Altman Z: 0.33

ONB

Exceptional Buy

81

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 2/9Altman Z: -0.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC5 strengths · Avg: 9.2/10
Market CapQuality
$311.14B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
35.0%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
50.7%10/10

Strong operational efficiency at 50.7%

PEG RatioValuation
0.908/10

Growing faster than its price suggests

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

ONB6 strengths · Avg: 9.3/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.2%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
51.3%10/10

Strong operational efficiency at 51.3%

Revenue GrowthGrowth
46.2%10/10

Revenue surging 46.2% year-over-year

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
34.1%8/10

Earnings expanding 34.1% YoY

Areas to Watch

HSBC3 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

ONB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.672/10

Distress zone — elevated risk

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 35.0% and operating margin at 50.7%. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : ONB

The strongest argument for ONB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.2% and operating margin at 51.3%. Revenue growth of 46.2% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : ONB

The primary concerns for ONB are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

HSBC profiles as a value stock while ONB is a growth play — different risk/reward profiles.

ONB carries more volatility with a beta of 0.85 — expect wider price swings.

ONB is growing revenue faster at 46.2% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ONB scores higher overall (81/100 vs 63/100), backed by strong 30.2% margins and 46.2% revenue growth. Both earn "Exceptional 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.

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.

Old National Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.

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