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FNB vs KEY
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. KeyCorp (KEY) Stock Comparison
Key Takeaways
- KEY boasts a larger market capitalization of approximately $24 billion compared to FNB's $6.4 billion, reflecting greater scale in regional banking operations.
- KEY has outperformed FNB year-to-date with a return of 8.57% versus 5.01%, driven by stronger quarterly results.
- Dividend yield stands higher for KEY at 3.70% compared to FNB's 2.92%, appealing to income-focused investors.
- FNB trades at a lower trailing P/E ratio of 11.01 versus KEY's 13.61, suggesting potential relative value.
- Both stocks reported solid Q1 2026 earnings, with KEY beating estimates on EPS growth of 33% year-over-year and FNB meeting expectations amid revenue growth.
- FNB exhibits lower volatility with a beta of 0.90 compared to KEY's 1.07.
Introduction
This stock comparison examines FNB and KEY, two prominent regional banks navigating a dynamic market environment marked by interest rate fluctuations and economic uncertainty. Investors seeking exposure to the financial sector, particularly those interested in dividend-paying regional lenders with differing scales and growth profiles, may find value in evaluating their relative performance, valuation, and momentum. Recent quarterly results and broader sector trends provide timely insights into their positioning for traders balancing stability and upside potential in stock comparisons.
FNB Overview and Recent Performance
FNB, or F.N.B. Corporation, operates as a financial holding company primarily serving the Mid-Atlantic region through its banking subsidiary, First National Bank. It offers retail and commercial banking, wealth management, and consumer finance products. In recent market activity, the stock has traded around $17.83, with a market cap of $6.4 billion. Shares have shown resilience, posting a year-to-date gain of 5.01% amid broader regional bank sector pressures. Key influences include Q1 2026 earnings that met consensus estimates at $0.38 per share, supported by 9.4% revenue growth and an 18.8% rise in diluted EPS. Loan growth and digital expansion have bolstered sentiment, though modest deposit pressures reflect ongoing industry challenges with net interest income (NII, revenue from interest-bearing assets minus interest expenses). Lower beta indicates relative stability, contributing to positive investor positioning in recent weeks.
KEY Overview and Recent Performance
KEY, or KeyCorp, functions as the holding company for KeyBank National Association, delivering a broad array of retail, commercial, and investment banking services across multiple U.S. states. With a larger footprint, it emphasizes commercial lending and fee-based income. The stock recently closed near $22.19, supported by a $24.1 billion market cap. Performance has been robust, with an 8.57% year-to-date increase, outpacing peers in recent weeks. Q1 2026 results exceeded expectations, featuring $1.95 billion in revenue (up 10% year-over-year) and EPS of $0.44, a 33% improvement. Strong NII expansion and cost controls have driven sentiment, despite some credit quality watchpoints. Higher beta reflects greater market sensitivity, aligning with its growth-oriented profile amid favorable sector rotations.
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Head-to-Head Comparison
Both FNB and KEY operate in regional banking, focusing on deposits, loans, and fee income, but differ in scale and emphasis. KEY’s larger asset base supports broader commercial exposure and higher NII growth potential, contrasting FNB’s community-oriented model in fewer markets. Recent momentum favors KEY with superior YTD returns and earnings beats, while FNB offers a valuation edge via lower P/E. Risk profiles diverge: FNB’s lower beta suits conservative portfolios amid rate volatility, whereas KEY’s higher yield and catalysts like lending expansion attract growth seekers. Sector tailwinds from economic resilience benefit both, but trade-offs hinge on size versus value in market positioning.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward KEY due to its consistent earnings momentum, larger scale, and relative outperformance in recent market activity. Factors like superior Q1 growth and higher dividend yield enhance its probabilistic edge over FNB’s stability and value appeal, though both remain viable amid regional bank trends.
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 disclaimer. 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 FNB is a StrongBuy and KEY is a Buy.
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).
FNB’s FA Score shows that 1 FA rating(s) are green whileKEY’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- KEY’s FA Score: 1 green, 4 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.
FNB’s TA Score shows that 4 TA indicator(s) are bullish while KEY’s TA Score has 6 bullish TA indicator(s).
- FNB’s TA Score: 4 bullish, 6 bearish.
- KEY’s TA Score: 6 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а -0.23% price change this week, while KEY (@Regional Banks) price change was -1.62% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.60%. For the same industry, the average monthly price growth was +1.07%, and the average quarterly price growth was +16.57%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
KEY is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (-0.60% 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.
| FNB | KEY | FNB / KEY | |
| Capitalization | 6.25B | 23.1B | 27% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 3.362 | 4.268 | 79% |
| P/E Ratio | 10.83 | 13.07 | 83% |
| Revenue | 1.8B | 7.47B | 24% |
| Total Cash | 387M | N/A | - |
| Total Debt | 3.14B | 17B | 18% |
FNB | KEY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 67 | 66 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 65 Fair valued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 42 | 77 | |
SMR RATING 1..100 | 11 | 8 | |
PRICE GROWTH RATING 1..100 | 50 | 48 | |
P/E GROWTH RATING 1..100 | 54 | 87 | |
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.
FNB's Valuation (65) in the Regional Banks industry is in the same range as KEY (78) in the Major Banks industry. This means that FNB’s stock grew similarly to KEY’s over the last 12 months.
FNB's Profit vs Risk Rating (42) in the Regional Banks industry is somewhat better than the same rating for KEY (77) in the Major Banks industry. This means that FNB’s stock grew somewhat faster than KEY’s over the last 12 months.
KEY's SMR Rating (8) in the Major Banks industry is in the same range as FNB (11) in the Regional Banks industry. This means that KEY’s stock grew similarly to FNB’s over the last 12 months.
KEY's Price Growth Rating (48) in the Major Banks industry is in the same range as FNB (50) in the Regional Banks industry. This means that KEY’s stock grew similarly to FNB’s over the last 12 months.
FNB's P/E Growth Rating (54) in the Regional Banks industry is somewhat better than the same rating for KEY (87) in the Major Banks industry. This means that FNB’s stock grew somewhat faster than KEY’s over the last 12 months.
| FNB | KEY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | 2 days ago 66% |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 65% |
| Momentum ODDS (%) | 2 days ago 71% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 57% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 67% |
| Advances ODDS (%) | 7 days ago 55% | 7 days ago 62% |
| Declines ODDS (%) | 2 days ago 58% | 2 days ago 70% |
| BollingerBands ODDS (%) | 2 days ago 76% | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 44% | 2 days ago 64% |
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| HVAC | 41.64 | 0.85 | +2.08% |
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| Gabelli Dividend & Income Trust (The) | |||
| GMAR | 43.84 | 0.01 | +0.02% |
| FT Vest U.S. Eq Mod Buffr ETF - Mar | |||
| LFAO | 166.75 | N/A | N/A |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ASB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | -1.96% | ||
| ASB - FNB | 91% Closely correlated | -2.24% | ||
| ONB - FNB | 90% Closely correlated | -0.58% | ||
| WTFC - FNB | 90% Closely correlated | -0.71% | ||
| ZION - FNB | 90% Closely correlated | -2.74% | ||
| FULT - FNB | 89% Closely correlated | -1.88% | ||
More | ||||
KEY and
Correlation & Price change
A.I.dvisor indicates that over the last year, KEY has been closely correlated with CFG. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if KEY jumps, then CFG could also see price increases.