ICICI Bank Limited (IBN)vsNBT Bancorp Inc (NBTB)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
NBTB
NBT Bancorp Inc
$42.47
+1.22%
FINANCIAL SERVICES · Cap: $2.22B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 289423% more annual revenue ($1.92T vs $664.78M). IBN leads profitability with a 27.5% profit margin vs 25.5%. IBN appears more attractively valued with a PEG of 0.53. NBTB earns a higher WallStSmart Score of 74/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
NBTB
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Margin of Safety
+71.3%
Fair Value
$157.72
Current Price
$42.47
$115.25 discount
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 41.9%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 24.0% year-over-year
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
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 : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 41.9%. Revenue growth of 24.0% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio.
Key Dynamics to Monitor
IBN profiles as a value stock while NBTB is a growth play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.48 — expect wider price swings.
NBTB is growing revenue faster at 24.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NBTB scores higher overall (74/100 vs 69/100), backed by strong 25.5% margins and 24.0% 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.
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 →NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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