WallStSmart

Lloyds Banking Group PLC ADR (LYG)vsTrustmark Corporation (TRMK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lloyds Banking Group PLC ADR generates 2314% more annual revenue ($19.69B vs $815.77M). TRMK leads profitability with a 28.7% profit margin vs 26.4%. LYG appears more attractively valued with a PEG of 0.76. TRMK earns a higher WallStSmart Score of 71/100 (B).

LYG

Strong Buy

70

out of 100

Grade: B

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

TRMK

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.28

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

TRMK4 strengths · Avg: 9.3/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.6%10/10

Strong operational efficiency at 37.6%

Profit MarginProfitability
28.7%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Areas to Watch

LYG0 concerns · Avg: 0/10

No major concerns identified

TRMK2 concerns · Avg: 3.0/10
PEG RatioValuation
2.294/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.282/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : TRMK

The strongest argument for TRMK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.7% and operating margin at 37.6%. Revenue growth of 10.5% demonstrates continued momentum.

Bear Case : LYG

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

Bear Case : TRMK

The primary concerns for TRMK are PEG Ratio, 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

TRMK scores higher overall (71/100 vs 70/100), backed by strong 28.7% margins and 10.5% 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.

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Trustmark Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Trustmark Corporation is the banking holding company for Trustmark National Bank providing banking and financial solutions to individuals and corporate institutions in the United States. The company is headquartered in Jackson, Mississippi.

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