Which is better, IBKD.SI or NPB?

On the Buffett-Fit framework, i BBCA ID SDR 1to2 (IBKD.SI) currently grades higher than NPB — 68/100 (B grade) vs 42/100 (D). That said, "better" depends on which framework you trust — IBKD.SI wins on Warren Buffett, Benjamin Graham, Philip Fisher, Charlie Munger, and Terry Smith; NPB wins on Peter Lynch and Joel Greenblatt. The full pillar breakdown is on this page.

Should I buy IBKD.SI or NPB?

This page is an educational comparison, not investment advice. Both IBKD.SI and NPB are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is IBKD.SI better than NPB for value investing?

On the Buffett-style value-investing framework, IBKD.SI currently grades higher — 68/100 vs 42/100, a 26-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between IBKD.SI and NPB on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). IBKD.SI currently scores 68/100 (B grade); NPB scores 42/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, IBKD.SI or NPB?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. IBKD.SI and NPB are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, IBKD.SI or NPB?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are IBKD.SI and NPB both Financial Services stocks?

Yes — both i BBCA ID SDR 1to2 (IBKD.SI) and Northpointe Bancshares, Inc. (NPB) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this IBKD.SI vs NPB comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

i BBCA ID SDR 1to2

IBKD.SI$113.66BFinancials Market cap, Sector

Northpointe Bancshares

NPB$617.29MFinancials Market cap, Sector

Overall winner

i BBCA ID SDR 1to2

IBKD.SI 52 NPB

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Fit scores by strategy

IBKD.SI5wins

2winsNPB

Warren Buffett

68C

F42

Benjamin Graham

68C

F22

Philip Fisher

69C

F44

Peter Lynch

52D

A97

Joel Greenblatt

27F

D47

Charlie Munger

69C

F39

Terry Smith

72B

F26

Side-by-side metrics

Metric	IBKD.SI	NPB
Market cap	Winner: $113.66B	$617.29M
P/E (TTM)	26.2x	3.0x Winner
EV/EBIT	-	13.8x
ROIC (TTM)	-	16.94%
Gross margin	-	51.06%
Net margin	Winner: 50.33%	17.91%
Revenue CAGR 5y	8.49%	2.84% Winner
EPS CAGR 5y	12.21%	-
Debt / Equity	Winner: 0.0x	3.0x
Dividend yield	-	0.56%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

IBKD.SI leads on

Debt / Equity0.0xvs 3.0x+100%
Market cap$113.66Bvs $617.29M+99%
Net margin50.33%vs 17.91%+64%

NPB leads on

Revenue CAGR 5y2.84%vs 8.49%+97%
P/E (TTM)3.0xvs 26.2x+88%

More like IBKD.SI

IBKD.SI vs FBK.MI IBKD.SI vs AZA.ST IBKD.SI vs CPI.JO IBKD.SI vs BGN.MI

More like NPB

NPB vs FBK.MI NPB vs AZA.ST NPB vs CPI.JO NPB vs BGN.MI

Read the full Buffett-Brain analysis for IBKD.SI Read the full Buffett-Brain analysis for NPB

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

i BBCA ID SDR 1to2

IBKD.SI$113.66BFinancials Market cap, Sector

Northpointe Bancshares

NPB$617.29MFinancials Market cap, Sector

Overall winner

i BBCA ID SDR 1to2

IBKD.SI 52 NPB

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Fit scores by strategy

IBKD.SI5wins

2winsNPB

Warren Buffett

68C

F42

Benjamin Graham

68C

F22

Philip Fisher

69C

F44

Peter Lynch

52D

A97

Joel Greenblatt

27F

D47

Charlie Munger

69C

F39

Terry Smith

72B

F26

Side-by-side metrics

Metric	IBKD.SI	NPB
Market cap	Winner: $113.66B	$617.29M
P/E (TTM)	26.2x	3.0x Winner
EV/EBIT	-	13.8x
ROIC (TTM)	-	16.94%
Gross margin	-	51.06%
Net margin	Winner: 50.33%	17.91%
Revenue CAGR 5y	8.49%	2.84% Winner
EPS CAGR 5y	12.21%	-
Debt / Equity	Winner: 0.0x	3.0x
Dividend yield	-	0.56%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

IBKD.SI leads on

Debt / Equity0.0xvs 3.0x+100%
Market cap$113.66Bvs $617.29M+99%
Net margin50.33%vs 17.91%+64%

NPB leads on

Revenue CAGR 5y2.84%vs 8.49%+97%
P/E (TTM)3.0xvs 26.2x+88%

More like IBKD.SI

IBKD.SI vs FBK.MI IBKD.SI vs AZA.ST IBKD.SI vs CPI.JO IBKD.SI vs BGN.MI

More like NPB

NPB vs FBK.MI NPB vs AZA.ST NPB vs CPI.JO NPB vs BGN.MI

Read the full Buffett-Brain analysis for IBKD.SI Read the full Buffett-Brain analysis for NPB

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.