The Lloyds (LSE: LLOY) share price has surged since I bought the FTSE 100 bank in 2023. It’s up 42% over the last year. My total return is nudging 150%, including reinvested dividends. So I’m happy.

There’s no way I’m selling my shares. I hope to be holding them in 20 years’ time and using the dividends to fund my retirement. But after such a strong run, is the excitement set to cool?

Several other writers on The Motley Fool have the same concern, and I’m in two minds myself. So I decided to call in artificial intelligence to see whether it could help me make up my mind.

I’d never use ChatGPT to pick stocks. I wouldn’t trust it to source an accurate price-to-earnings…