FBNC vs. LYG
FBNC (First Bancorp) and LYG (Lloyds Banking Group plc) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FBNC returned 15.20%/yr vs 12.99%/yr for LYG. Their 0.36 correlation means their historical movements had little consistent relationship.
Performance
FBNC vs. LYG - Performance Comparison
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Returns By Period
In the year-to-date period, FBNC achieves a 24.79% return, which is significantly higher than LYG's 19.27% return. Over the past 10 years, FBNC has outperformed LYG with an annualized return of 15.20%, while LYG has yielded a comparatively lower 12.99% annualized return.
FBNC
- 1D
- -0.17%
- 1M
- -1.46%
- 6M
- 9.41%
- YTD
- 24.79%
- 1Y
- 32.22%
- 3Y*
- 27.03%
- 5Y*
- 11.89%
- 10Y*
- 15.20%
- ALL TIME*
- 12.08%
LYG
- 1D
- -1.28%
- 1M
- 1.82%
- 6M
- 5.88%
- YTD
- 19.27%
- 1Y
- 47.19%
- 3Y*
- 47.39%
- 5Y*
- 25.82%
- 10Y*
- 12.99%
- ALL TIME*
- -0.65%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
FBNC First Bancorp | $15.53M | $16.09M | $15.57M |
| $101.57M | $99.91M | $119.79M |
FBNC vs. LYG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FBNC First Bancorp | 24.79% | 17.79% | 21.66% | -11.24% | -4.19% | 37.67% | -12.61% | 24.00% | -6.49% | 31.41% |
LYG Lloyds Banking Group plc | 19.27% | 103.71% | 20.30% | 14.68% | -9.47% | 33.81% | -40.79% | 36.81% | -28.35% | 30.79% |
Correlation
The correlation between FBNC and LYG is 0.28, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.28 |
Correlation (3Y) Balances recent behavior with more history. | 0.31 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.38 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.39 |
Correlation (All Time) Calculated using the full available price history since Nov 27, 2001 | 0.36 |
The correlation between FBNC and LYG shifts across timeframes, from 0.28 (1 year) to 0.39 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
FBNC:
$2.60B
LYG:
$89.56B
FBNC:
$4.29
LYG:
£0.34
FBNC:
14.65
LYG:
13.54
FBNC:
1.77
LYG:
6.77
FBNC:
3.62
LYG:
1.05
FBNC:
$539.92M
LYG:
£65.45B
FBNC:
$170.07M
LYG:
£65.45B
FBNC:
$209.73M
LYG:
£7.45B
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Return for Risk
FBNC vs. LYG — Risk / Return Rank
FBNC
LYG
FBNC vs. LYG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for First Bancorp (FBNC) and Lloyds Banking Group plc (LYG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FBNC | LYG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.77 | ||
| Sortino ratioReturn per unit of downside risk | -0.98 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.30 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 1.71 | 2.30 | -0.59 |
| Martin ratioReturn relative to average drawdown | 4.23 | 6.18 | -1.96 |
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Drawdowns
FBNC vs. LYG - Drawdown Comparison
The maximum FBNC drawdown since its inception was -70.98%, smaller than the maximum LYG drawdown of -94.84%. Use the drawdown chart below to compare losses from any high point for FBNC and LYG.
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Drawdown Indicators
| FBNC | LYG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -70.98% | -94.84% | +23.86% |
Max Drawdown (1Y)Largest decline over 1 year | -16.25% | -22.72% | +6.47% |
Max Drawdown (3Y)Largest decline over 3 years | -26.02% | -22.72% | -3.30% |
Max Drawdown (5Y)Largest decline over 5 years | -44.98% | -40.19% | -4.79% |
Max Drawdown (10Y)Largest decline over 10 years | -54.13% | -68.72% | +14.59% |
Current DrawdownCurrent decline from peak | -5.07% | -50.71% | +45.64% |
Average DrawdownAverage peak-to-trough decline | -20.59% | -63.35% | +42.76% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.56% | 8.45% | -1.89% |
Volatility
FBNC vs. LYG - Volatility Comparison
The current volatility for First Bancorp (FBNC) is 7.11%, while Lloyds Banking Group plc (LYG) has a volatility of 10.40%. This indicates that FBNC experiences smaller price fluctuations and is considered to be less risky than LYG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FBNC | LYG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.11% | 10.40% | -3.29% |
Volatility (6M)Calculated over the trailing 6-month period | 18.38% | 24.44% | -6.06% |
Volatility (1Y)Calculated over the trailing 1-year period | 27.45% | 29.33% | -1.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 32.55% | 32.12% | +0.43% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.22% | 34.82% | +0.40% |
Dividends
FBNC vs. LYG - Dividend Comparison
FBNC's dividend yield for the trailing twelve months is around 1.50%, less than LYG's 3.23% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FBNC First Bancorp | 1.50% | 1.79% | 2.00% | 2.38% | 2.05% | 1.75% | 2.13% | 1.35% | 1.22% | 0.91% | 1.18% | 1.71% |
LYG Lloyds Banking Group plc | 3.23% | 3.19% | 5.44% | 5.23% | 4.92% | 2.70% | 0.00% | 5.04% | 6.63% | 6.81% | 5.17% | 2.11% |
Financials
FBNC vs. LYG - Financials Comparison
This section allows you to compare key financial metrics between First Bancorp and Lloyds Banking Group plc. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FBNC vs. LYG - Profitability Comparison
FBNC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, First Bancorp reported a gross profit of -119.21M and revenue of 133.14M. Therefore, the gross margin over that period was -89.5%.
LYG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Lloyds Banking Group plc reported a gross profit of 13.84B and revenue of 13.84B. Therefore, the gross margin over that period was 100.0%.
FBNC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, First Bancorp reported an operating income of -58.99M and revenue of 133.14M, resulting in an operating margin of -44.3%.
LYG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Lloyds Banking Group plc reported an operating income of 2.27B and revenue of 13.84B, resulting in an operating margin of 16.4%.
FBNC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, First Bancorp reported a net income of 50.52M and revenue of 133.14M, resulting in a net margin of 38.0%.
LYG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Lloyds Banking Group plc reported a net income of 1.53B and revenue of 13.84B, resulting in a net margin of 11.1%.
Frequently Asked Questions
FBNC and LYG have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LYG has higher volatility (10.40%) compared to FBNC (7.11%). In terms of maximum drawdown, FBNC dropped -70.98% vs LYG's -94.84%.
LYG currently has the higher Sharpe Ratio (1.78 vs 1.01), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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