ICICI Bank Limited (IBN)vsS&T Bancorp Inc (STBA)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
STBA
S&T Bancorp Inc
$41.17
+0.22%
FINANCIAL SERVICES · Cap: $1.57B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 487541% more annual revenue ($1.92T vs $394.70M). STBA leads profitability with a 34.0% profit margin vs 27.5%. 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-
STBA
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
+5.0%
Fair Value
$46.20
Current Price
$41.17
$5.03 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
2.9% revenue growth
4.0% earnings growth
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 : STBA
The strongest argument for STBA centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 43.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : STBA
The primary concerns for STBA are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
STBA carries more volatility with a beta of 0.88 — 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 66/100), backed by strong 27.5% margins. 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 →S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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