HSBC Holdings PLC ADR (HSBC)vsWestamerica Bancorporation (WABC)
HSBC
HSBC Holdings PLC ADR
$105.30
+1.54%
FINANCIAL SERVICES · Cap: $366.94B
WABC
Westamerica Bancorporation
$59.09
-0.03%
FINANCIAL SERVICES · Cap: $1.35B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 26637% more annual revenue ($67.43B vs $252.20M). WABC leads profitability with a 43.9% profit margin vs 37.8%. HSBC appears more attractively valued with a PEG of 0.94. HSBC earns a higher WallStSmart Score of 69/100 (B-).
HSBC
Strong Buy69
out of 100
Grade: B-
WABC
Buy55
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 58.8%
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 25.4% year-over-year
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Trading at 8.4x book value
2.6% earnings growth
Distress zone — elevated risk
4.5% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 2.7%
Comparative Analysis Report
WallStSmart ResearchBull 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 : WABC
The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.9% and operating margin at 60.3%.
Bear Case : HSBC
The primary concerns for HSBC are Price/Book, EPS Growth, Altman Z-Score.
Bear Case : WABC
The primary concerns for WABC are EPS Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
HSBC profiles as a growth stock while WABC is a declining play — different risk/reward profiles.
HSBC carries more volatility with a beta of 0.57 — expect wider price swings.
HSBC is growing revenue faster at 25.4% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (69/100 vs 55/100), backed by strong 37.8% margins and 25.4% revenue growth. Both earn "Strong 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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?