ICICI Bank Limited (IBN)vsSmartFinancial, Inc. (SMBK)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
SMBK
SmartFinancial, Inc.
$38.43
-0.21%
FINANCIAL SERVICES · Cap: $661.14M
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 998677% more annual revenue ($1.92T vs $192.71M). IBN leads profitability with a 27.5% profit margin vs 26.1%. SMBK trades at a lower P/E of 13.0x. IBN earns a higher WallStSmart Score of 69/100 (B-).
IBN
Strong Buy69
out of 100
Grade: B-
SMBK
Strong Buy66
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
+70.2%
Fair Value
$139.46
Current Price
$38.43
$101.03 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 38.8%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 42.0% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Smaller company, higher risk/reward
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 : SMBK
The strongest argument for SMBK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 38.8%. Revenue growth of 10.1% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : SMBK
The primary concerns for SMBK are Market Cap.
Key Dynamics to Monitor
IBN profiles as a value stock while SMBK is a mature play — different risk/reward profiles.
SMBK carries more volatility with a beta of 0.77 — expect wider price swings.
SMBK is growing revenue faster at 10.1% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 66/100), backed by strong 27.5% margins. SMBK offers better value entry with a 70.2% margin of safety. 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 →SmartFinancial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SmartFinancial, Inc. is SmartBank's banking holding company that provides various financial services to individual and corporate clients. The company is headquartered in Knoxville, Tennessee.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?