ICICI Bank Limited (IBN)vsPeapack-Gladstone Financial (PGC)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
PGC
Peapack-Gladstone Financial
$34.58
-1.14%
FINANCIAL SERVICES · Cap: $606.89M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 744195% more annual revenue ($1.92T vs $258.59M). IBN leads profitability with a 27.5% profit margin vs 14.4%. IBN appears more attractively valued with a PEG of 0.53. PGC earns a higher WallStSmart Score of 74/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
PGC
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
+65.1%
Fair Value
$98.28
Current Price
$34.58
$63.70 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
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.4%
16.3% revenue growth
Earnings expanding 31.1% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
Negative free cash flow — burning cash
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 : PGC
The strongest argument for PGC centers on Price/Book, PEG Ratio, P/E Ratio. Revenue growth of 16.3% demonstrates continued momentum. PEG of 0.64 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
IBN profiles as a value stock while PGC is a growth play — different risk/reward profiles.
PGC carries more volatility with a beta of 0.68 — expect wider price swings.
PGC is growing revenue faster at 16.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGC scores higher overall (74/100 vs 69/100) and 16.3% 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 →Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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