Associated Banc-Corp (ASB)vsLloyds Banking Group PLC ADR (LYG)
ASB
Associated Banc-Corp
$31.28
+0.39%
FINANCIAL SERVICES · Cap: $5.83B
LYG
Lloyds Banking Group PLC ADR
$6.28
+1.45%
FINANCIAL SERVICES · Cap: $90.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 1166% more annual revenue ($19.69B vs $1.56B). ASB leads profitability with a 32.5% 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).
ASB
Strong Buy67
out of 100
Grade: B-
LYG
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Revenue surging 23.5% year-over-year
Reasonable price relative to book value
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
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Earnings declined 3.1%
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : ASB
The strongest argument for ASB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.5% and operating margin at 41.3%. Revenue growth of 23.5% demonstrates continued momentum.
Bull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : ASB
The primary concerns for ASB are PEG Ratio, Debt/Equity, EPS Growth.
Bear Case : LYG
No major red flags identified for LYG, but monitor valuation.
Key Dynamics to Monitor
ASB profiles as a growth stock while LYG is a mature play — different risk/reward profiles.
LYG carries more volatility with a beta of 0.91 — expect wider price swings.
ASB is growing revenue faster at 23.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LYG scores higher overall (70/100 vs 67/100), 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.
Associated Banc-Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Associated Banc-Corp, a bank holding company, offers a variety of banking and non-banking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company is headquartered in Green Bay, Wisconsin.
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.
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