WallStSmart

ICICI Bank Limited (IBN)vsOld National Bancorp (ONB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 86644% more annual revenue ($2.17T vs $2.51B). ONB leads profitability with a 30.2% profit margin vs 24.9%. IBN appears more attractively valued with a PEG of 0.53. ONB earns a higher WallStSmart Score of 81/100 (A-).

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 4.3
Piotroski: 2/9

ONB

Exceptional Buy

81

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 2/9Altman Z: -0.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

IBN6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Revenue GrowthGrowth
66.9%10/10

Revenue surging 66.9% year-over-year

Market CapQuality
$90.62B9/10

Large-cap with strong market position

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

ONB6 strengths · Avg: 9.3/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.2%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
51.3%10/10

Strong operational efficiency at 51.3%

Revenue GrowthGrowth
46.2%10/10

Revenue surging 46.2% year-over-year

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
34.1%8/10

Earnings expanding 34.1% YoY

Areas to Watch

IBN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

ONB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.672/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.

Bull Case : ONB

The strongest argument for ONB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.2% and operating margin at 51.3%. Revenue growth of 46.2% demonstrates continued momentum.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score.

Bear Case : ONB

The primary concerns for ONB are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

ONB carries more volatility with a beta of 0.85 — expect wider price swings.

IBN is growing revenue faster at 66.9% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBN scores higher overall (81/100 vs 81/100), backed by strong 24.9% margins and 66.9% revenue growth. Both earn "Exceptional Buy" and "Exceptional 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.

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Old National Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.

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