Lloyds Banking Group PLC ADR (LYG)vsS&T Bancorp Inc (STBA)
LYG
Lloyds Banking Group PLC ADR
$5.93
-1.99%
FINANCIAL SERVICES · Cap: $89.16B
STBA
S&T Bancorp Inc
$49.84
-0.04%
FINANCIAL SERVICES · Cap: $1.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 4766% more annual revenue ($19.69B vs $404.69M). STBA leads profitability with a 34.7% profit margin vs 26.4%. LYG appears more attractively valued with a PEG of 0.76. LYG earns a higher WallStSmart Score of 70/100 (B).
LYG
Strong Buy70
out of 100
Grade: B
STBA
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 45.0%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.9% YoY
Areas to Watch
Elevated debt levels
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LYG
The strongest argument for LYG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bull Case : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.7% and operating margin at 44.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bear Case : LYG
The primary concerns for LYG are Debt/Equity. Debt-to-equity of 2.18 is elevated, increasing financial risk.
Bear Case : STBA
The primary concerns for STBA are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
LYG carries more volatility with a beta of 0.91 — expect wider price swings.
LYG is growing revenue faster at 12.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LYG scores higher overall (70/100 vs 69/100), backed by strong 26.4% margins and 12.3% revenue growth. Both earn "Strong 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.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
Visit Website →S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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