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BAC vs KEY
Which Stock Would AI Choose? Bank of America (BAC) vs. KeyCorp (KEY) Stock Comparison
Key Takeaways
- BAC boasts a significantly larger market capitalization of approximately $338 billion compared to KEY's $21 billion, reflecting greater scale and diversified operations.
- Both stocks exhibit similar trailing P/E ratios around 12-13, but KEY offers a higher dividend yield of 4.23% versus BAC's 2.37%, appealing to income-focused investors.
- Recent market activity shows both stocks under pressure with roughly 5% declines over the past month amid broader sector volatility, though BAC has stronger year-to-date resilience in some metrics.
- BAC reported robust Q4 2025 net interest income (NII, the difference between interest earned on loans and paid on deposits) growth of about 10%, while KEY saw a 15% jump, highlighting regional bank leverage.
- Capital strength is evident with BAC's CET1 (Common Equity Tier 1, a key measure of core capital adequacy) at 11.4% and KEY's at 11.7%, both well above regulatory minimums.
- Tickeron's AI tools analyze thousands of patterns to favor stocks with consistent trends; explore BAC and KEY through trending bots.
Introduction
Bank of America (BAC) and KeyCorp (KEY) represent contrasting scales within the U.S. banking sector: a global powerhouse versus a focused regional player. This stock comparison evaluates their recent performance, financial metrics, and market positioning amid fluctuating interest rates and economic uncertainty. Traders seeking momentum and diversified exposure may lean toward BAC, while income-oriented investors could favor KEY's higher yield. Understanding relative performance helps in portfolio allocation during volatile financial markets.
BAC Overview and Recent Performance
Bank of America (BAC), one of the largest U.S. banks by assets over $3 trillion, offers comprehensive services including consumer banking, wealth management, and investment banking. In recent market activity, BAC shares traded around $47-48, down about 5% over recent weeks amid sector-wide pressures from interest rate expectations and geopolitical tensions. Q4 2025 results showed net income of $7.6 billion, with NII rising 10% year-over-year to $15.8 billion, driven by loan growth and deposit repricing. ROTCE (return on average tangible common shareholders' equity, a profitability gauge excluding intangibles) reached 14%, supported by strong equities trading. Credit quality remained stable with NCO (net charge-offs, loan losses net of recoveries) at low 40-50 basis points. CET1 stood at 11.4%, enabling $8.4 billion in capital returns. Sentiment reflects confidence in its scale, though sensitivity to economic slowdowns persists.
KEY Overview and Recent Performance
KeyCorp (KEY), a regional bank with $184 billion in assets, focuses on commercial banking, consumer loans, and Midwest operations. Shares hovered near $19-20 in recent weeks, also declining around 5% in line with banking peers amid market volatility. Q4 2025 net income hit $474 million or $0.43 per share, beating estimates, with NII surging 15% to $1.22 billion from lower deposit costs and portfolio optimization. ROE (return on equity) trailed at 9.48%, but management targets 15%+ ROTCE by 2027 through expense discipline. NCO remained low at 39 basis points, with CET1 at a robust 11.7%, facilitating $200 million in buybacks. Positive factors include fee income growth and stake increase by Bank of Nova Scotia, though regional exposure heightens cyclical risks.
Trending AI Robots
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Head-to-Head Comparison
BAC and KEY operate in banking but differ in scale: BAC's global investment banking drives noninterest income, while KEY emphasizes regional commercial lending for higher NII margins. Growth drivers contrast—BAC benefits from diverse revenue (trading, fees), KEY from loan expansion. Recent momentum shows similar short-term dips but KEY's superior 1-year return (~29% vs. ~17%). Risk factors include KEY's higher beta sensitivity to regional economies versus BAC's stability. Both maintain strong CET1 and low NCO, but KEY offers better yield at the cost of lower ROE. Market sentiment favors BAC's size for resilience.
Tickeron AI Verdict
Tickeron’s AI currently favors BAC due to superior trend consistency, higher ROTCE, expansive catalysts like global trading revenue, and stronger relative positioning amid economic uncertainty. KEY shows promise in NII growth and yield, but its regional focus introduces higher volatility. Probabilistic edge tilts to BAC for stability-oriented strategies.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BAC is a Hold and KEY is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BAC’s FA Score shows that 2 FA rating(s) are green whileKEY’s FA Score has 2 green FA rating(s).
- BAC’s FA Score: 2 green, 3 red.
- KEY’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BAC’s TA Score shows that 6 TA indicator(s) are bullish while KEY’s TA Score has 6 bullish TA indicator(s).
- BAC’s TA Score: 6 bullish, 5 bearish.
- KEY’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAC (@Major Banks) experienced а +1.12% price change this week, while KEY (@Regional Banks) price change was +2.16% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.57%. For the same industry, the average monthly price growth was +9.71%, and the average quarterly price growth was +21.18%.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.42%. For the same industry, the average monthly price growth was +6.88%, and the average quarterly price growth was +19.50%.
Reported Earning Dates
BAC is expected to report earnings on Jul 14, 2026.
KEY is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Major Banks (+1.57% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
@Regional Banks (+1.42% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BAC | KEY | BAC / KEY | |
| Capitalization | 385B | 24.1B | 1,598% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -1.355 | 8.574 | -16% |
| P/E Ratio | 13.42 | 13.61 | 99% |
| Revenue | 113B | 7.29B | 1,551% |
| Total Cash | 25.4B | N/A | - |
| Total Debt | 366B | 11B | 3,327% |
BAC | KEY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 69 Overvalued | 79 Overvalued | |
PROFIT vs RISK RATING 1..100 | 49 | 73 | |
SMR RATING 1..100 | 1 | 8 | |
PRICE GROWTH RATING 1..100 | 21 | 14 | |
P/E GROWTH RATING 1..100 | 42 | 92 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BAC's Valuation (69) in the Major Banks industry is in the same range as KEY (79). This means that BAC’s stock grew similarly to KEY’s over the last 12 months.
BAC's Profit vs Risk Rating (49) in the Major Banks industry is in the same range as KEY (73). This means that BAC’s stock grew similarly to KEY’s over the last 12 months.
BAC's SMR Rating (1) in the Major Banks industry is in the same range as KEY (8). This means that BAC’s stock grew similarly to KEY’s over the last 12 months.
KEY's Price Growth Rating (14) in the Major Banks industry is in the same range as BAC (21). This means that KEY’s stock grew similarly to BAC’s over the last 12 months.
BAC's P/E Growth Rating (42) in the Major Banks industry is somewhat better than the same rating for KEY (92). This means that BAC’s stock grew somewhat faster than KEY’s over the last 12 months.
| BAC | KEY | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 65% | 4 days ago 59% |
| Stochastic ODDS (%) | 4 days ago 66% | 4 days ago 66% |
| Momentum ODDS (%) | 4 days ago 71% | 4 days ago 69% |
| MACD ODDS (%) | 4 days ago 62% | 4 days ago 61% |
| TrendWeek ODDS (%) | 4 days ago 63% | 4 days ago 65% |
| TrendMonth ODDS (%) | 4 days ago 58% | 4 days ago 60% |
| Advances ODDS (%) | 12 days ago 61% | 4 days ago 61% |
| Declines ODDS (%) | 25 days ago 62% | 6 days ago 70% |
| BollingerBands ODDS (%) | 4 days ago 66% | 4 days ago 70% |
| Aroon ODDS (%) | 4 days ago 46% | 4 days ago 62% |
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