ICICI Bank Limited (IBN)vsValley National Bancorp (VLY)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
VLY
Valley National Bancorp
$12.27
0.00%
FINANCIAL SERVICES · Cap: $6.84B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 104265% more annual revenue ($1.92T vs $1.84B). VLY leads profitability with a 32.4% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. VLY earns a higher WallStSmart Score of 84/100 (A-).
IBN
Strong Buy69
out of 100
Grade: B-
VLY
Exceptional Buy84
out of 100
Grade: A-
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
+71.7%
Fair Value
$47.27
Current Price
$12.27
$35.00 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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.5%
Revenue surging 38.3% year-over-year
Earnings expanding 66.7% YoY
Attractively priced relative to earnings
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
ROE of 7.8% — below average capital efficiency
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 : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.4% and operating margin at 46.5%. Revenue growth of 38.3% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : VLY
The primary concerns for VLY are Return on Equity.
Key Dynamics to Monitor
IBN profiles as a value stock while VLY is a growth play — different risk/reward profiles.
VLY carries more volatility with a beta of 1.06 — expect wider price swings.
VLY is growing revenue faster at 38.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
VLY scores higher overall (84/100 vs 69/100), backed by strong 32.4% margins and 38.3% revenue growth. Both earn "Exceptional 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 →Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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