Heritage Commerce Corp (HTBK)vsICICI Bank Limited (IBN)
HTBK
Heritage Commerce Corp
$12.43
+3.15%
FINANCIAL SERVICES · Cap: $765.61M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 983658% more annual revenue ($1.92T vs $195.65M). IBN leads profitability with a 27.5% profit margin vs 24.4%. IBN appears more attractively valued with a PEG of 0.53. HTBK earns a higher WallStSmart Score of 74/100 (B).
HTBK
Strong Buy74
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.5%
Fair Value
$36.50
Current Price
$12.43
$24.07 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
Reasonable price relative to book value
Strong operational efficiency at 45.3%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
17.7% revenue growth
Earnings expanding 45.2% YoY
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
ROE of 6.8% — below average capital efficiency
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : HTBK
The strongest argument for HTBK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 45.3%. Revenue growth of 17.7% demonstrates continued momentum.
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 : HTBK
The primary concerns for HTBK are Market Cap, Return on Equity.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HTBK profiles as a growth stock while IBN is a value play — different risk/reward profiles.
HTBK carries more volatility with a beta of 0.71 — expect wider price swings.
HTBK is growing revenue faster at 17.7% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HTBK scores higher overall (74/100 vs 69/100), backed by strong 24.4% margins and 17.7% 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.
Heritage Commerce Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Heritage Commerce Corp is the banking holding company for Heritage Bank of Commerce providing various commercial and personal banking services to residents and the business / professional community in California. The company is headquartered in San Jose, California.
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
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