WallStSmart

BOK Financial Corporation (BOKF)vsLloyds Banking Group PLC ADR (LYG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lloyds Banking Group PLC ADR generates 764% more annual revenue ($19.69B vs $2.28B). BOKF leads profitability with a 28.5% profit margin vs 26.4%. LYG appears more attractively valued with a PEG of 0.76. BOKF earns a higher WallStSmart Score of 74/100 (B).

BOKF

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 6.3Quality: 4.0
Piotroski: 5/9Altman Z: -0.52

LYG

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.3
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BOKF5 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
33.3%8/10

Earnings expanding 33.3% YoY

LYG6 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.0%10/10

Strong operational efficiency at 45.0%

Market CapQuality
$90.28B9/10

Large-cap with strong market position

Profit MarginProfitability
26.4%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.768/10

Growing faster than its price suggests

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Areas to Watch

BOKF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.522/10

Distress zone — elevated risk

LYG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BOKF

The strongest argument for BOKF centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 40.1%. PEG of 1.46 suggests the stock is reasonably priced for its growth.

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 : BOKF

The primary concerns for BOKF are Altman Z-Score.

Bear Case : LYG

No major red flags identified for LYG, but monitor valuation.

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

BOKF scores higher overall (74/100 vs 70/100), backed by strong 28.5% margins. 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.

BOK Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BOK Financial Corporation is the financial holding company for BOKF, NA offering various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas / Missouri. The company is headquartered in Tulsa, Oklahoma.

Visit Website →

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 →

Want to dig deeper into these stocks?