Critical Comparison: Susquehanna Bancshares (SUSQ) versus Lloyds Banking Group PLC (LYG)

Lloyds Banking Group PLC (NYSE: LYG) and Susquehanna Bancshares (NASDAQ:SUSQ) are both banks – nec companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, dividends, profitability, valuation, earnings, institutional ownership and risk.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Lloyds Banking Group PLC and Susquehanna Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lloyds Banking Group PLC 5 1 4 0 1.90
Susquehanna Bancshares 0 0 0 0 N/A

Profitability

This table compares Lloyds Banking Group PLC and Susquehanna Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Lloyds Banking Group PLC 19.22% 18.38% 1.10%
Susquehanna Bancshares 20.31% 5.15% 0.77%

Dividends

Lloyds Banking Group PLC pays an annual dividend of $0.14 per share and has a dividend yield of 3.9%. Susquehanna Bancshares does not pay a dividend. Lloyds Banking Group PLC pays out 60.9% of its earnings in the form of a dividend.

Valuation and Earnings

This table compares Lloyds Banking Group PLC and Susquehanna Bancshares’ top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio NetIncome Earnings Per Share Price/Earnings Ratio
Lloyds Banking Group PLC $23.73 billion 2.70 $2.80 billion $0.23 15.48
Susquehanna Bancshares N/A N/A N/A $0.70 N/A

Lloyds Banking Group PLC has higher revenue and earnings than Susquehanna Bancshares. Susquehanna Bancshares is trading at a lower price-to-earnings ratio than Lloyds Banking Group PLC, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

2.2% of Lloyds Banking Group PLC shares are held by institutional investors. 0.0% of Lloyds Banking Group PLC shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Lloyds Banking Group PLC beats Susquehanna Bancshares on 7 of the 10 factors compared between the two stocks.

Lloyds Banking Group PLC Company Profile

Lloyds Banking Group plc is a provider of financial services to individual and business customers in the United Kingdom. The Company’s main business activities are retail and commercial banking, general insurance, and long-term savings, protection and investment. The Company’s segments are Retail, Commercial Banking, Consumer Finance, Insurance and Other. The Retail segment offers a range of financial service products, including current accounts, savings and mortgages. The Commercial Banking segment offers a range of products and services, such as lending, transactional banking, working capital management, risk management and debt capital markets services. The Consumer Finance segment offers consumer lending products, including motor finance, credit cards, and unsecured personal loans. The Insurance segment provides a range of protection, pension and investment products. Its brands include Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, Colleys, Lex Autolease and AMC.

Susquehanna Bancshares Company Profile

Susquehanna Bancshares, Inc. is a financial holding company. The Company conducts its business operations primarily through its commercial bank subsidiary, Susquehanna Bank, and other subsidiaries in the mid-Atlantic region to provide a range of retail and commercial banking and financial products and services. It provides a range of retail banking services, including checking, savings and club accounts, check cards, debit cards, money market accounts, certificates of deposit, individual retirement accounts, home equity lines of credit, residential mortgage loans, home improvement loans, automobile loans, personal loans, and internet and mobile banking services. It also provides a range of commercial banking services, including business checking accounts, cash management services, money market accounts, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans and internet banking services.

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