Hawthorn Bancshares Inc (HWBK)vsICICI Bank Limited (IBN)
HWBK
Hawthorn Bancshares Inc
$32.66
+0.37%
FINANCIAL SERVICES · Cap: $223.69M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 2407403% more annual revenue ($1.92T vs $79.95M). HWBK leads profitability with a 29.8% profit margin vs 27.5%. HWBK trades at a lower P/E of 9.4x. IBN earns a higher WallStSmart Score of 69/100 (B-).
HWBK
Buy61
out of 100
Grade: C+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.4%
Fair Value
$160.52
Current Price
$32.66
$127.86 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 30 of every $100 in revenue as profit
Strong operational efficiency at 29.7%
Earnings expanding 36.4% 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
Weak financial health signals
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : HWBK
The strongest argument for HWBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 29.8% and operating margin at 29.7%.
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 : HWBK
The primary concerns for HWBK are Market Cap, Piotroski F-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HWBK profiles as a mature stock while IBN is a value play — different risk/reward profiles.
HWBK carries more volatility with a beta of 0.51 — expect wider price swings.
HWBK is growing revenue faster at 8.7% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 61/100), backed by strong 27.5% margins. HWBK offers better value entry with a 78.4% 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.
Hawthorn Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hawthorn Bancshares, Inc. is the banking holding company for Hawthorn Bank providing various banking services in Missouri. The company is headquartered in Jefferson City, Missouri.
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
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