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

Earnings & Valuation

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

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Susquehanna Bancshares N/A N/A N/A N/A N/A
Lloyds Banking Group PLC $22.36 billion 0.13 $113.28 million $0.14 26.29

Lloyds Banking Group PLC has higher revenue and earnings than Susquehanna Bancshares.

Analyst Recommendations

This is a summary of recent ratings for Susquehanna Bancshares and Lloyds Banking Group PLC, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Susquehanna Bancshares 0 0 0 0 N/A
Lloyds Banking Group PLC 5 1 7 0 2.15

Dividends

Lloyds Banking Group PLC pays an annual dividend of $0.14 per share and has a dividend yield of 3.8%. Susquehanna Bancshares does not pay a dividend. Lloyds Banking Group PLC pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Institutional and Insider Ownership

2.1% of Lloyds Banking Group PLC shares are owned by institutional investors. 0.0% of Lloyds Banking Group PLC shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

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

Net Margins Return on Equity Return on Assets
Susquehanna Bancshares 20.31% 5.15% 0.77%
Lloyds Banking Group PLC 12.97% 18.07% 1.07%

Summary

Lloyds Banking Group PLC beats Susquehanna Bancshares on 7 of the 9 factors compared between the two stocks.

About Susquehanna Bancshares

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.

About Lloyds Banking Group PLC

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.

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