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KEY vs PNC
Which Stock Would AI Choose? KeyCorp (KEY) vs. PNC Financial Services Group (PNC) Stock Comparison
Key Takeaways
- KeyCorp (KEY) and PNC Financial Services Group (PNC) operate as major regional banks with exposure to commercial lending, consumer banking, and wealth management.
- Both stocks have shown resilience amid fluctuating interest rates, though PNC maintains a larger asset base and broader geographic footprint.
- Recent market activity highlights steady deposit trends and net interest income (NII) management for both institutions amid economic uncertainty.
- Valuation metrics and dividend yields remain competitive, with differences in capital ratios such as Common Equity Tier 1 (CET1) reflecting varying risk appetites.
- Sector sentiment favors banks demonstrating strong credit quality and expense discipline in the current environment.
- Relative performance underscores trade-offs between scale advantages at PNC and potential agility at KeyCorp (KEY).
Introduction
KeyCorp (KEY) and PNC Financial Services Group (PNC) represent prominent players in the U.S. regional banking sector. This comparison examines their business models, recent stock behavior, and key differentiators to assist investors evaluating financial sector exposure. Portfolio managers, income-focused investors, and traders monitoring bank earnings and interest rate sensitivity may find the analysis relevant for assessing relative positioning within the industry. The review emphasizes verifiable developments and observable metrics without forward-looking speculation.
KeyCorp (KEY) Overview and Recent Performance
KeyCorp (KEY) provides commercial and retail banking, investment management, and capital markets services primarily across the Midwest and Northeast. In recent weeks, the stock has reflected broader sector dynamics influenced by interest rate expectations and economic indicators. Market participants have monitored trends in loan growth, credit quality, and net interest margin compression or expansion. Sentiment has been shaped by quarterly results highlighting deposit stability and cost management efforts, contributing to measured price movements amid sector rotation.
PNC Financial Services Group (PNC) Overview and Recent Performance
PNC Financial Services Group (PNC) operates as one of the largest U.S. regional banks, offering retail banking, corporate and institutional services, asset management, and residential mortgage products nationwide. Recent market activity shows the stock responding to macroeconomic signals, including Federal Reserve policy signals and corporate earnings trends. Focus areas include net interest income (NII) performance, credit loss provisions, and efficiency ratios. Investor attention has centered on balance sheet positioning and capital return strategies, supporting relatively stable trading patterns within the banking group.
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Head-to-Head Comparison
KeyCorp (KEY) operates with a more concentrated regional presence compared to the broader national reach of PNC Financial Services Group (PNC), creating differences in scale and diversification. Growth drivers for both include commercial lending and wealth management, yet PNC benefits from greater assets under management (AUM) and fee income potential. Recent momentum has varied with each firm’s ability to navigate interest rate environments and maintain credit discipline. Risk factors encompass exposure to commercial real estate at both institutions, though portfolio concentrations differ. Sector exposure remains similar within financials, while market sentiment reflects ongoing evaluation of capital adequacy metrics such as CET1 ratios and return on tangible common equity (ROTCE). Trade-offs center on PNC’s size-related stability versus KeyCorp (KEY)’s potential for focused operational adjustments.
Tickeron AI Verdict
Based on observable factors including trend consistency in recent market activity, relative stability in key financial metrics, and positioning within the regional banking sector, Tickeron’s AI models currently indicate a probabilistic preference for PNC Financial Services Group (PNC) due to its demonstrated scale and diversified revenue streams. KeyCorp (KEY) presents competitive attributes in targeted markets that could support alternative scenarios depending on evolving conditions. This assessment relies on historical patterns and current data rather than guarantees of future outcomes.
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.
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 KEY is a Buy and PNC is a StrongBuy.
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).
KEY’s FA Score shows that 2 FA rating(s) are green whilePNC’s FA Score has 2 green FA rating(s).
- KEY’s FA Score: 2 green, 3 red.
- PNC’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.
KEY’s TA Score shows that 4 TA indicator(s) are bullish while PNC’s TA Score has 2 bullish TA indicator(s).
- KEY’s TA Score: 4 bullish, 5 bearish.
- PNC’s TA Score: 2 bullish, 6 bearish.
Price Growth
KEY (@Regional Banks) experienced а -0.48% price change this week, while PNC (@Regional Banks) price change was -0.22% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.19%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +13.66%.
Reported Earning Dates
KEY is expected to report earnings on Oct 20, 2026.
PNC is expected to report earnings on Oct 15, 2026.
Industries' Descriptions
@Regional Banks (+1.19% 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.
| KEY | PNC | KEY / PNC | |
| Capitalization | 24.2B | 99.2B | 24% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.725 | 21.955 | 53% |
| P/E Ratio | 13.22 | 13.70 | 97% |
| Revenue | 7.47B | 23.8B | 31% |
| Total Cash | N/A | 5.65B | - |
| Total Debt | 17B | 66.7B | 25% |
KEY | PNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 76 | 85 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 31 Undervalued | 58 Fair valued | |
PROFIT vs RISK RATING 1..100 | 73 | 49 | |
SMR RATING 1..100 | 10 | 6 | |
PRICE GROWTH RATING 1..100 | 50 | 28 | |
P/E GROWTH RATING 1..100 | 89 | 45 | |
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.
KEY's Valuation (31) in the Major Banks industry is in the same range as PNC (58). This means that KEY’s stock grew similarly to PNC’s over the last 12 months.
PNC's Profit vs Risk Rating (49) in the Major Banks industry is in the same range as KEY (73). This means that PNC’s stock grew similarly to KEY’s over the last 12 months.
PNC's SMR Rating (6) in the Major Banks industry is in the same range as KEY (10). This means that PNC’s stock grew similarly to KEY’s over the last 12 months.
PNC's Price Growth Rating (28) in the Major Banks industry is in the same range as KEY (50). This means that PNC’s stock grew similarly to KEY’s over the last 12 months.
PNC's P/E Growth Rating (45) in the Major Banks industry is somewhat better than the same rating for KEY (89). This means that PNC’s stock grew somewhat faster than KEY’s over the last 12 months.
| KEY | PNC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 66% | 2 days ago 65% |
| Stochastic ODDS (%) | 2 days ago 77% | 2 days ago 62% |
| Momentum ODDS (%) | 2 days ago 53% | 2 days ago 61% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 67% |
| TrendWeek ODDS (%) | 2 days ago 66% | 2 days ago 61% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 53% |
| Advances ODDS (%) | 16 days ago 64% | 10 days ago 58% |
| Declines ODDS (%) | 5 days ago 68% | 12 days ago 60% |
| BollingerBands ODDS (%) | 2 days ago 69% | 4 days ago 65% |
| Aroon ODDS (%) | 2 days ago 61% | 2 days ago 46% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.
| Ticker / NAME | Correlation To PNC | 1D Price Change % | ||
|---|---|---|---|---|
| PNC | 100% | +0.09% | ||
| USB - PNC | 87% Closely correlated | +0.13% | ||
| KEY - PNC | 85% Closely correlated | +1.94% | ||
| MTB - PNC | 85% Closely correlated | -1.33% | ||
| FITB - PNC | 85% Closely correlated | +0.04% | ||
| HBAN - PNC | 85% Closely correlated | +1.43% | ||
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