Lloyds TSB Group PLC (LYG) Buy, Sell or Hold

Lloyds TSB Group PLC (LYG)

5.34

+0.04 (0.75%)

as of Jun 9, 2026, 8:00:00 pm Market Open.

28 watching

COMMENT

Retail bank. Sold his holdings when it broke down. Made a good acquisition but it caused some problems. 43% owned by the UK government. Good management so they will slowly work their way out of their situation. Will take time but if you hold it, you will do well with it.

COMMENT

Shifting to a US bank? This bank is a huge favourite of deep value investors because the balance sheet is not that bad a shape. Opportunity for volume growth is very poor. With US banks, there will be a fair number of headlines where stress tests are going to come due in March. You might consider US Bancorp (USB-N).

SELL

Was forced into a marriage that it didn't want during the financial crisis of 08-09. Raised a ton of equity. Operationally, it is turning the corner and the British economy is stabilizing. It is now a favourite of deep value investors. If you own, consider switching to Standard Chartered Bank (London Stock Exchange).

PAST TOP PICK

(A Top Pick Nov 25/11. Down 54.01%.) Still likes.

COMMENT

On his watch list. Could possibly buy except that he already has 5 financial stocks. Would also like further clarity on it. Has potential of a huge return. If you own, consider the possibility of tax loss selling. Also look closely at their debt loads.

BUY

Exposure to continental Europe is very limited. Strictly a retail banking business in the UK plus commercial banking. Made a big acquisition in 2008. Will be volatile, but over the long term, these are the times to own these kinds of companies. 46% owned by the UK government. Trading at a discount to book.

DON'T BUY

Had exposure to the blow up in 2008-2009. Had been pressured by the British government into buying HBOS. You won’t get a dividend and there is a possibility of further dilution.

TOP PICK

Trades at 50% of its BV. Doesn't have a yield right now but will be paying a yield in 2012. Did a massive acquisition and bought HBOS. Went from about 25% market share in retail banking to about 50%. Cheap. Good earnings potential.

DON'T BUY

Retail perspective is all that would draw him to this one. You have to understand its exposure to sovereign debt and to other banks that have that exposure. There would have to be some compelling aspects to their story.

DON'T BUY

This is a favourite stock of deep value investors because it has a forced marriage that is part of the banking crisis of 2007-2008 in Britain. Proponents point to formalized earnings levels that are healthy. A better alternative would be Standard Chartered, which is on the London exchange.

PAST TOP PICK

(Top Pick Jun 24/10, Down 16.12%) You still have a good opportunity to make lots of money. They have a great franchise. If you can buy it at these levels you will do very well with it.

PAST TOP PICK

(A Top Pick May 19/10. Up 12.7%.) Retail bank. Great restructuring story in Europe. UK government owns 42%. Great time to be Buying it.

DON'T BUY

Bought HBOS just before it went bankrupt in the credit crises. This got them into significant difficulty. Refocused. Good bank in retail banking and their insurance company are doing pretty well. HBOS is trying to get out of their mortgage problems and that is coming along. You better be a long-term investor on this one.

DON'T BUY

In rising inflation, banks can get hurt, so be careful. Some of the important metrics are 1) efficiency ratio (handling costs), 2) tier 1 capital ratio (now that the Basil 3 rules are coming in to play), 3) ROE and 4) percentage of non-performing assets (should be 2% or less). This one has high efficiency ratios, deposit growth and loan growth are missing and Tier one ratios are in line with US banks.

PAST TOP PICK

(Top Pick Jan 18/10, Up 3.07%) He said it would be volatile, but it is one of the better restructuring stories in Europe. It’s a long-term story. The UK gov’t is going to be selling their shares so there will be some pressure on it.

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Lloyds TSB Group PLC (LYG)