Head-To-Head Comparison: Lloyds Banking Group (NYSE:LYG) & FREEDOM BK OF V/SH SH (NYSE:FDVA)

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Lloyds Banking Group (NYSE:LYG) and FREEDOM BK OF V/SH SH (OTCMKTS:FDVA) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, risk, earnings, institutional ownership, analyst recommendations, profitability and dividends.

Analyst Ratings

This is a summary of current recommendations and price targets for Lloyds Banking Group and FREEDOM BK OF V/SH SH, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lloyds Banking Group 3 3 2 0 1.88
FREEDOM BK OF V/SH SH 0 0 0 0 N/A

Valuation and Earnings

This table compares Lloyds Banking Group and FREEDOM BK OF V/SH SH’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Lloyds Banking Group $24.99 billion 2.19 $5.74 billion $0.33 9.39
FREEDOM BK OF V/SH SH $25.57 million 2.57 $190,000.00 N/A N/A

Lloyds Banking Group has higher revenue and earnings than FREEDOM BK OF V/SH SH.

Dividends

Lloyds Banking Group pays an annual dividend of $0.11 per share and has a dividend yield of 3.5%. FREEDOM BK OF V/SH SH does not pay a dividend. Lloyds Banking Group pays out 33.3% of its earnings in the form of a dividend.

Risk and Volatility

Lloyds Banking Group has a beta of 1.08, suggesting that its stock price is 8% more volatile than the S&P 500. Comparatively, FREEDOM BK OF V/SH SH has a beta of 0.25, suggesting that its stock price is 75% less volatile than the S&P 500.

Institutional and Insider Ownership

2.0% of Lloyds Banking Group shares are held by institutional investors. Comparatively, 2.2% of FREEDOM BK OF V/SH SH shares are held by institutional investors. 0.0% of Lloyds Banking Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Lloyds Banking Group and FREEDOM BK OF V/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Lloyds Banking Group 23.57% 15.86% 0.97%
FREEDOM BK OF V/SH SH 1.54% 0.67% 0.08%

Summary

Lloyds Banking Group beats FREEDOM BK OF V/SH SH on 9 of the 13 factors compared between the two stocks.

Lloyds Banking Group Company Profile

Lloyds Banking Group plc provides banking and financial services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands in the United Kingdom and internationally. It operates through three segments: Retail, Commercial Banking, and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings accounts, mortgages, motor finance, unsecured consumer loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, term lending, and debt capital markets services to small and medium-sized enterprises, corporates, mid markets, and financial institutions. The Insurance and Wealth segment offers life, home, car, and protection insurance products; pensions and investment products; and advisory services in areas, including investments, planning for retirement, and protection and inheritance tax planning. The company also provides digital, telephony, and mobile services. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

FREEDOM BK OF V/SH SH Company Profile

The Freedom Bank of Virginia provides various banking products and services primarily in the Northern Virginia area. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include consumer loans, such as installment loans, home equity line of credit, and mortgages for purchasing homes or refinancing existing mortgages; and commercial loans, including business installment loans, commercial line of credit, commercial real estate mortgages, and small business administration loans, as well as mortgage services. The company also provides credit and ATM/debit cards; insurance products; and online security, overdraft protection, notary, Merchant Visa and MasterCard agency, and online and telephone banking services, as well as wire transfers, ACH transactions, direct and night deposits, safe deposit boxes, cashier's checks, certified checks, money orders, and savings bonds. In addition, it acts as a broker-dealer in securities. The company operates through a network of branch offices located in Vienna, Fairfax, Reston, and Chantilly in Virginia. The Freedom Bank of Virginia is headquartered in Fairfax, Virginia.

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