WallStSmart

HSBC Holdings PLC ADR (HSBC)vsServisFirst Bancshares Inc (SFBS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 11423% more annual revenue ($67.43B vs $585.22M). SFBS leads profitability with a 54.8% profit margin vs 37.8%. SFBS trades at a lower P/E of 14.7x. SFBS earns a higher WallStSmart Score of 70/100 (B-).

HSBC

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 4/9Altman Z: -0.31

SFBS

Strong Buy

70

out of 100

Grade: B-

Growth: 10.0Profit: 8.0Value: 6.0Quality: 5.5
Piotroski: 6/9Altman Z: 0.12

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.0/10
Market CapQuality
$366.94B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
37.8%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
58.8%10/10

Strong operational efficiency at 58.8%

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
25.4%8/10

Revenue surging 25.4% year-over-year

SFBS6 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
54.8%10/10

Keeps 55 of every $100 in revenue as profit

Operating MarginProfitability
70.0%10/10

Strong operational efficiency at 70.0%

Revenue GrowthGrowth
30.1%10/10

Revenue surging 30.1% year-over-year

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
40.1%8/10

Earnings expanding 40.1% YoY

Areas to Watch

HSBC3 concerns · Avg: 3.3/10
Price/BookValuation
8.4x4/10

Trading at 8.4x book value

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

Altman Z-ScoreHealth
-0.312/10

Distress zone — elevated risk

SFBS1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.122/10

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 37.8% and operating margin at 58.8%. Revenue growth of 25.4% demonstrates continued momentum.

Bull Case : SFBS

The strongest argument for SFBS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 54.8% and operating margin at 70.0%. Revenue growth of 30.1% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Price/Book, EPS Growth, Altman Z-Score.

Bear Case : SFBS

The primary concerns for SFBS are Altman Z-Score.

Key Dynamics to Monitor

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

SFBS is growing revenue faster at 30.1% — sustainability is the question.

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

Bottom Line

SFBS scores higher overall (70/100 vs 69/100), backed by strong 54.8% margins and 30.1% revenue growth. 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.

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.

ServisFirst Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ServisFirst Bancshares, Inc. is the banking holding company for ServisFirst Bank providing various banking services to individual and corporate clients. The company is headquartered in Birmingham, Alabama.

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