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

BUY

UK Bank. Came close to dying and were coerced to buy HBOS when they were going bankrupt. One of the largest depositor banks, which gives them some stability. Trading at half times book value. Feels the recovery is in place. Volatile so when the stock market goes down, this goes down a lot. Expect it is worth 30%-40% more in 4 or 5 years.

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DON'T BUY

If you are really positive on the European theatre, this one has lots of leverage. Too much of risk profile. (See Top Picks.)

PAST TOP PICK

(A Top Pick Jan 18/10. Up 11.58%. ) From a restructuring story this is the European bank you want to own. Great retail franchise and is a credible well run bank. Still a Buy.

TOP PICK

Fallen about 10%-12% in the last little while because people feel their exposure to Ireland, which is about $27 billion of which about two fifths is commercial property with reserves against that of about $5 billion. Good retail franchise is about 15% to 18% ROE. Many positive things are happening.

STRONG BUY

Great company. Would have been a top pick but has picked it too often. Probably worth $10 in the next 3-5 years. Will have one of the best retail franchises in the UK. Expect they will pay a dividend in the new year.

TOP PICK

A purely retail bank in the UK. First-half numbers had revenues of little bit higher, margins are stabilizing and loan losses were down considerably. Expect they will start paying a dividend in the 2nd half of 2011. Trades below Book.

WEAK BUY

An opportunity here for growth if there is a turnaround, specifically in England, and there is no further global deterioration. Charts and his gut feelings tell him this is not a quality investment, but more of a speculative play.

DON'T BUY

British bank that was partially nationalized. Still a lot of balance sheet risks. Other British banks, such as Standard Chartered (STAN-LSE) and HSBC (HBC-N) whose balance sheets are much stronger.

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BUY

Kicked the tires recently. Did not buy. It could end up doing very, very well. Could be a huge upside. Is a great contrarian play.

TOP PICK

Good restructuring play. One of the best retail banks in the UK. 24% return on equity in the retail franchise alone. Forced to acquire HBOS in 2008 making them a much larger retail bank. Selling off some HBOS assets on the corporate banking side. Did a large rights issue that kept UK government below 50% and allowed them to run their own company. Can make a lot of money over the next 3-5 years.

TOP PICK

British retail bank. Made an acquisition in 2008-2009, which made them much. Trades below Book Value and add about 8X next year's earnings. Good restructuring story.

DON'T BUY

Not a bank he would own but has become a buzz stock for people looking for an opportunity because it was so beaten down. Greek situation shouldn't have too much. If Portugal, then Italy have to go through the same there will be some jitters in European banks. Speculative.

DON'T BUY

Domestically oriented British bank and the UK government own about 2/5 of the shares. A number of analysts can see rapid improvement in the loan book. Wouldn't be overly keen to own this one.

TOP PICK

One of the best performing retail banks in Britain for many years. Did an in-market merger very cheaply and these are always very cost-effective for banks. Margins have improved and loan losses are looking better. One of the best restructuring place in Europe.

DON'T BUY

Would prefer buying a basket, such as an ETF of the undervalued banks rather than cherry picking each one. This one had to do a rights issue last November on a 3 to 1 basis, which diluted the earnings 3 times so learning Zen are going to be growing at a steady clip.

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Lloyds TSB Group PLC (LYG)