the Lloyds (LSE: LLO) The stock price finally proves its potential after a long and exhausting process to rebuild business after the financial crisis.

It has now increased by 40 % over the past 12 months and 117 % over five years. This does not include profits, which added another piece to the total returns.

This is one of the attractions to buy arrows that have fallen as good. I bought shares in Lloyds three times in 2023, when the price ratio to profits was about six or seven and the value of the price to the book was low to 0.4.

Today, my shares have increased by more than 70 % and with the re -investment of profits, I am about to double my money. The contradictory investment does not always come out like this.

Do not climb the arrows forever. The price ratio to the profits is now over 12, and the price to the book is 0.98, almost in line with the fair value. So I will not call Lloyds a huge deal today.

The momentum of growth fades

The last results were fine but not great. The first quarter numbers, published on May 1, showed 7 % pre -tax profits to 1.53 billion pounds, with high costs.

The net income increased by 4 % to 4.4 billion pounds, but the bank raised the decline in value to 309 million pounds, from 57 million pounds in the previous year.

This included a ruling of 100 million pounds associated with the threat of the American tariff, which he said was put forward “The risk of the negative side” It was not fully captured by previous modeling.

Lloyds also put 700 million pounds to deal with the complaints of the Automobile Finance Committee. This total takes above one million pounds and we still do not know how high the real number is.

It is expected to climb operating margins from 17.4 % to 41.9 %. This is impressive if stopped. The bank also treats shareholders with a share of 1.7 billion pounds, which must add value by reducing the number of shares.

The rear return is not as high as it was at 4.1 %, but it is well covered twice through profits. The expected return is 4.4 % covered 2.1 times. This gives me confidence that batches can be maintained. Investing these profits has made a big difference in my revenues over the past two years.

Expectations look fair

The analyst community cools slightly. Of the 19 brokers who make recommendations for one year, six Lloyds name is a strong purchase and one of them says purchase. Eleven Hold says, indicating that easy gains have already been done. Only one says the sale though.

The average price for 12 months is 83p, an increase of 8.3 % in 76.5p today. Add the return by 4.2 % and investors may discuss a total return of about 12.5 %.

It would raise an investment of 10,000 pounds to 11,250 pounds. While it represents a slowdown, growth is growth. I invest in LLOYDs to get rich slowly, and that will remain another step in the right direction.

Slow and fixed

There are risks. Interest rate discounts may raise mortgage lending, but the margins can also be pressed. The engine financing scandal is still looming on the horizon. The British economy, and given its local focus, stops Lloyds elsewhere.

However, I think her shares deserve to be considered today. Growth may be slower from here, but with the re -investing stock profits, I think shares should reward the patient’s investors in the long run. I plan to be one of them.