KeyCorp (KEY)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a regional bank as a conservative creditor first and a stock picker second. KeyCorp’s record is now a FairStock-computed TURNAROUND: fiscal FY2024 ended 2024-12-31 produced a net loss of $161.0M and diluted EPS of -$0.32, while fiscal FY2025 ended 2025-12-31 produced net income of $1.8B and diluted EPS of $1.52. The latest filed quarter, fiscal Q2 2026 ended 2026-06-30, showed net income $509.0M and diluted EPS $0.44 on revenue $449.0M; fiscal Q2 2025 ended 2025-06-30 showed net income $425.0M and diluted EPS $0.35 on revenue $425.0M. That is real improvement, but one good year does not prove durable earning power. At the 2026-10-26 close of $21.21, FairStock calculations show P/E 12.33, P/B 1.42, ROE 11.17%, PEG 0.62 and a 3.87% dividend yield. Those are reasonable, not heroic, and a P/B above 1 for an 11% ROE bank leaves little room for credit surprises. The FairStock Piotroski F-score of 4/9 and score of 65/100 suggest average financial momentum, not a fortress. Regional banking can have a modest local-deposit franchise, but I cannot judge the moat without CET1, net interest margin, efficiency, charge-offs, nonperforming assets and reserve coverage, none of which are in the data. So I see an improving, moderately priced turnaround that still must prove consistency.

In plain English: KeyCorp is a regional bank holding company that provides consumer and commercial banking through KeyBank. The business looks much better than a few years ago: it swung from a loss in fiscal 2024 to a profit in fiscal 2025, and the latest filed quarter was profitable. At $21.21, the price looks moderate rather than deeply cheap or expensive relative to the company’s profits and accounting value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer