ICICI Bank Limited (IBN)vsMidland States Bancorp Inc (MSBI)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
MSBI
Midland States Bancorp Inc
$21.83
-0.05%
FINANCIAL SERVICES · Cap: $467.67M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 725833% more annual revenue ($1.92T vs $265.13M). IBN leads profitability with a 27.5% profit margin vs -46.9%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 69/100 (B-).
IBN
Strong Buy69
out of 100
Grade: B-
MSBI
Buy60
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Intrinsic value data unavailable for MSBI.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 34.2%
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
2.8% revenue growth
Smaller company, higher risk/reward
ROE of -19.5% — below average capital efficiency
Earnings declined 71.2%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : MSBI
The primary concerns for MSBI are Revenue Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
IBN profiles as a value stock while MSBI is a turnaround play — different risk/reward profiles.
MSBI carries more volatility with a beta of 0.58 — 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 60/100), backed by strong 27.5% margins. 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.
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 →Midland States Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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