Head-To-Head Comparison: Mainstreet Bank Common Stock (Virginia) (OTCMKTS:MNSB) and ICICI Bank (OTCMKTS:IBN)

Mainstreet Bank Common Stock (Virginia) (OTCMKTS:MNSB) and ICICI Bank (NYSE:IBN) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, profitability, earnings, institutional ownership, analyst recommendations, valuation and dividends.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Mainstreet Bank Common Stock (Virginia) and ICICI Bank, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Mainstreet Bank Common Stock (Virginia) 0 0 0 0 N/A
ICICI Bank 0 3 0 1 2.50

Dividends

ICICI Bank pays an annual dividend of $0.03 per share and has a dividend yield of 0.2%. Mainstreet Bank Common Stock (Virginia) does not pay a dividend. ICICI Bank pays out 20.0% of its earnings in the form of a dividend.

Insider and Institutional Ownership

14.6% of Mainstreet Bank Common Stock (Virginia) shares are owned by institutional investors. Comparatively, 21.0% of ICICI Bank shares are owned by institutional investors. 16.4% of Mainstreet Bank Common Stock (Virginia) shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Mainstreet Bank Common Stock (Virginia) and ICICI Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Mainstreet Bank Common Stock (Virginia) 19.56% N/A N/A
ICICI Bank 6.04% 4.21% 0.41%

Volatility & Risk

Mainstreet Bank Common Stock (Virginia) has a beta of 0.48, suggesting that its share price is 52% less volatile than the S&P 500. Comparatively, ICICI Bank has a beta of 0.79, suggesting that its share price is 21% less volatile than the S&P 500.

Earnings and Valuation

This table compares Mainstreet Bank Common Stock (Virginia) and ICICI Bank’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Mainstreet Bank Common Stock (Virginia) $47.07 million 3.82 $9.21 million $1.38 15.78
ICICI Bank $11.27 billion 3.95 $608.36 million $0.15 92.20

ICICI Bank has higher revenue and earnings than Mainstreet Bank Common Stock (Virginia). Mainstreet Bank Common Stock (Virginia) is trading at a lower price-to-earnings ratio than ICICI Bank, indicating that it is currently the more affordable of the two stocks.

Summary

ICICI Bank beats Mainstreet Bank Common Stock (Virginia) on 10 of the 14 factors compared between the two stocks.

About Mainstreet Bank Common Stock (Virginia)

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking services for businesses and individuals. It offers a range of deposit products, such as checking accounts, savings accounts, money market accounts, and certificate of deposits. The company also provides loans for construction, renovations and improvements, commercial real estate, rental property, working capital, business, and land loans, as well as government contract loans, line of credit or seasonal line of credit, mortgage loans, auto loans, and term loans. In addition, it offers debit and credit cards, overdraft protection, insurance, and online and mobile banking services, as well as cash management, merchant, payment processing, check scanning, and lockbox services. The company operates five branches in Herndon, Fairfax, Fairfax City, McLean, and Clarendon, as well as has 55,000 ATMs. MainStreet Bancshares, Inc. was founded in 2003 and is headquartered in Fairfax, Virginia.

About ICICI Bank

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.

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