ICICI Bank Limited (IBN)vsUMB Financial Corporation (UMBF)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
UMBF
UMB Financial Corporation
$112.72
+0.96%
FINANCIAL SERVICES · Cap: $8.50B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 76957% more annual revenue ($1.92T vs $2.50B). UMBF leads profitability with a 28.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. UMBF earns a higher WallStSmart Score of 75/100 (B+).
IBN
Strong Buy69
out of 100
Grade: B-
UMBF
Strong Buy75
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
+47.2%
Fair Value
$250.46
Current Price
$112.72
$137.74 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 43.0%
Revenue surging 67.6% year-over-year
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
Distress zone — elevated risk
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 : UMBF
The strongest argument for UMBF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.1% and operating margin at 43.0%. Revenue growth of 67.6% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while UMBF is a growth play — different risk/reward profiles.
UMBF carries more volatility with a beta of 0.77 — expect wider price swings.
UMBF is growing revenue faster at 67.6% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UMBF scores higher overall (75/100 vs 69/100), backed by strong 28.1% margins and 67.6% 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 →UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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