ICICI Bank (NYSE:IBN) and American Business Bank (OTCMKTS:AMBZ) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, valuation, earnings, institutional ownership, analyst recommendations, risk and dividends.
ICICI Bank pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. American Business Bank does not pay a dividend. ICICI Bank pays out 12.5% of its earnings in the form of a dividend. ICICI Bank has raised its dividend for 5 consecutive years.
This table compares ICICI Bank and American Business Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|American Business Bank||N/A||N/A||N/A|
This is a breakdown of current ratings and target prices for ICICI Bank and American Business Bank, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|American Business Bank||0||0||0||0||N/A|
Insider & Institutional Ownership
22.9% of ICICI Bank shares are owned by institutional investors. Comparatively, 3.4% of American Business Bank shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Valuation and Earnings
This table compares ICICI Bank and American Business Bank’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|ICICI Bank||$11.23 billion||2.75||$1.20 billion||$0.32||30.16|
|American Business Bank||$57.86 million||5.06||$8.32 million||N/A||N/A|
ICICI Bank has higher revenue and earnings than American Business Bank.
Risk & Volatility
ICICI Bank has a beta of 1.4, meaning that its stock price is 40% more volatile than the S&P 500. Comparatively, American Business Bank has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500.
ICICI Bank beats American Business Bank on 11 of the 13 factors compared between the two stocks.
ICICI Bank Company Profile
ICICI Bank Limited, together with its subsidiaries, provides banking and financial services in India and internationally. It operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, General Insurance, and Others segments. The company offers savings, salary, pension, current, and other accounts; and fixed, recurring, and security deposits. It also provides home, car, two wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, such as working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and secured loans for credit card swipes, as well as loans for new entities, and schools and colleges; and credit, debit, prepaid, travel, and corporate cards. In addition, the company offers life, health, travel, car, two wheeler, home, and student medical insurance products; pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, and initial public offerings, as well as other online investment services; and farmer finance, tractor loans, and micro banking services, as well as other services to agri traders and processors, and agri corporates. Further, it provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial banking, investment banking, capital markets and custodial, project and technology finance, and institutional banking services, as well as Internet, mobile, and phone banking services. Additionally, the company offers securities investment, broking, trading, and underwriting services; and merchant banking, private equity/venture capital fund management, trusteeship, and pension fund management services. As of March 31, 2018, it had a network of 4,867 branches and 14,367 ATMs. ICICI Bank Limited was founded in 1955 and is based in Mumbai, India.
American Business Bank Company Profile
American Business Bank provides various banking and financial services to wholesalers, manufacturers, businesses, professionals, and non-profits in California. Its deposit products include checking, money market, savings, business demand deposit, business money market, special deposit, zero balance, and sweep accounts, as well as certificates of deposit. The company's loan products comprise personal loans, lines of credit, short term working capital lines, term loans, commercial/industrial real estate loans, and accounts receivable lines. It also offers various services, such as telephone notification, lock box processing, investment, courier, remote deposit, consulting, general business advice, investment banking, investment management, equipment leasing, residential mortgage lending, and professional referral services, as well as online banking services consisting of bill payment, fund transfer, account information, automatic clearing house origination, stop payment, and wire transfer services; and provides credit cards and ATM cards. In addition, the company offers international banking services, including international money transfer, letters of credit, foreign currency deposit, documentary and cleaning collection, and foreign currency exchange services. It operates through five loan production offices in Anaheim, Irvine, Torrance, the Warner Center, and Ontario. American Business Bank was founded in 1998 and is headquartered in Los Angeles, California.
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