HDB vs. RF: HDFC Bank vs. Regions Financial Stock Comparison

Company Profile

HDFC Bank (HDB) and Regions Financial (RF) both belong to the Banks industry, though HDB is classified under Diversified Banks while RF falls under Regional Banks.

Regions Financial (RF) trades as ordinary local shares, while HDFC Bank (HDB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both HDFC Bank (HDB) at 11.01% and Regions Financial (RF) at 12.38% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Regions Financial (RF) at 31.29% keeps about the industry-typical share of revenue as profit, while HDFC Bank (HDB) at 26.53% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for HDFC Bank (HDB) in Banks and Regions Financial (RF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Regions Financial (RF) at 6.25% is around its peer norm for revenue growth, while HDFC Bank (HDB) at 5.23% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Regions Financial (RF) reports EPS growth of 19.17%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: HDFC Bank (HDB) in Banks and Regions Financial (RF) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: HDFC Bank (HDB) in Banks and Regions Financial (RF) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Regions Financial (RF) at 3.85% earns its spot in the top quartile of its industry’s yields; HDFC Bank (HDB) at 52.63% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

HDFC Bank (HDB) at 23.43% pays out a band-typical share of earnings, while Regions Financial (RF) at 43.27% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Regions Financial (RF) at 11.10 is near its industry’s usual P/E ratio, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — HDB needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both HDFC Bank (HDB) in Banks and Regions Financial (RF) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Regions Financial (RF) at 1.46 sits near its industry’s typical P/B ratio, while HDFC Bank (HDB) at 10.01 prices above its benchmark range — HDB looks rich relative to book.

Valuation Metrics