HomeTrust Bancshares, Inc. (HTB)vsICICI Bank Limited (IBN)
HTB
HomeTrust Bancshares, Inc.
$42.39
+2.19%
FINANCIAL SERVICES · Cap: $723.58M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 934045% more annual revenue ($1.92T vs $206.04M). HTB leads profitability with a 31.2% profit margin vs 27.5%. HTB trades at a lower P/E of 11.2x. IBN earns a higher WallStSmart Score of 69/100 (B-).
HTB
Buy58
out of 100
Grade: C
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+55.0%
Fair Value
$97.91
Current Price
$42.39
$55.52 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Conservative balance sheet, low leverage
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 1.6%
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : HTB
The strongest argument for HTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 40.1%.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : HTB
The primary concerns for HTB are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HTB profiles as a declining stock while IBN is a value play — different risk/reward profiles.
HTB carries more volatility with a beta of 0.89 — expect wider price swings.
IBN is growing revenue faster at 3.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 58/100), backed by strong 27.5% margins. HTB offers better value entry with a 55.0% margin of safety. 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.
HomeTrust Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.
Visit Website →ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?