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HBAN or KEY or ZION
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. KeyCorp (KEY) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- HBAN, KEY, and ZION are regional banks with Midwest and Western U.S. footprints, showing resilience amid interest rate pressures but mixed recent momentum.
- HBAN trades around $16.31 with a 3.8% dividend yield and analyst target of $20.64, suggesting 26% upside, bolstered by recent merger expansion.
- KEY exhibits stronger revenue growth at $2B quarterly and buyback activity, with shares near $20 and positive analyst upgrades in recent market activity.
- ZION at about $55 shows solid NII growth but higher volatility, with targets around $66 indicating moderate upside amid regional exposure contrasts.
- All three maintain P/E ratios in the 11-13 range, trading at discounts to broader market valuations, with relative performance hinging on net interest margins and loan growth.
- Tickeron's AI tools highlight sector momentum, favoring banks with stable deposits and fee income in current conditions.
Introduction
This stock comparison examines HBAN (Huntington Bancshares), KEY (KeyCorp), and ZION (Zions Bancorporation), three regional banks navigating a dynamic environment of stabilizing rates and credit normalization. These institutions serve commercial, consumer, and wealth clients across the Midwest and West, offering exposure to deposit growth, lending, and fee-based services. Traders seeking relative performance insights and investors eyeing dividend yields and valuation discounts will find value in contrasting their recent momentum, risk profiles, and growth drivers amid broader sector recovery trends.
HBAN Overview and Recent Performance
Huntington Bancshares (HBAN), headquartered in Columbus, Ohio, operates as a regional bank holding company providing commercial, consumer, and mortgage services primarily in the Midwest and expanding South. Recent market activity has seen shares around $16.31, reflecting pressure from short-term weakness despite a positive one-year return of about 12%. Key influences include the completion of its merger with Cadence Bank, enhancing Southern U.S. presence and branch network, though integration costs and valuation debates have tempered sentiment. Q4 2025 earnings showed revenue up 11% but missed EPS estimates slightly, with analysts maintaining a moderate buy rating and $20.64 target amid stable deposits and NII growth.
KEY Overview and Recent Performance
KeyCorp (KEY), based in Cleveland, Ohio, functions as the holding company for KeyBank, delivering retail, commercial banking, and wealth management across multiple states. Shares have traded near recent highs around $20-21 in volatile sessions, supported by Q4 2025 results with 12.5% revenue growth to $2 billion and EPS beating estimates at $0.41. Momentum stems from higher net interest income, NIM expansion to 2.82%, and a $1.2 billion share repurchase plan for 2026, alongside analyst upgrades. Despite broader regional pressures, disciplined capital management and fee income strength have driven positive relative performance in recent weeks.
ZION Overview and Recent Performance
Zions Bancorporation (ZION), headquartered in Salt Lake City, Utah, offers banking through segments like Zions Bank and Amegy Bank across 11 Western states. Shares hover around $55-56, with YTD declines but a 14% one-year gain, amid Q4 beats on NII and fee income. Recent sentiment reflects loan growth and operating leverage, though higher provisions and CRE exposure add volatility. Analysts note stable fundamentals with targets near $66, as NIM improvements and positive revisions support positioning despite sector headwinds in recent market activity.
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Head-to-Head Comparison
HBAN, KEY, and ZION share regional banking models focused on deposits, loans, and fees, but differ in scale and exposure: HBAN's $210B+ assets emphasize Midwest consumer lending post-merger, while KEY's national footprint boosts commercial diversity, and ZION leans Western CRE. Growth drivers include KEY's NIM expansion and buybacks vs. ZION's fee momentum. Recent momentum favors KEY with revenue beats, while HBAN lags short-term but offers merger catalysts. Risks: rate sensitivity hits all, but ZION's CRE weighs heavier. Valuations align at P/E 11-13x, with HBAN cheapest on book value; sentiment tilts positive on capital returns.
Tickeron AI Verdict
Tickeron’s AI currently leans toward KEY based on consistent trend strength from revenue growth, NIM gains, and repurchase catalysts, positioning it favorably relative to peers amid regional bank stabilization. HBAN shows merger-driven potential but softer momentum, while ZION offers upside if CRE stabilizes. Probabilistic edge to KEY for near-term relative outperformance.
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
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).
HBAN’s FA Score shows that 1 FA rating(s) are green whileKEY’s FA Score has 2 green FA rating(s), and ZION’s FA Score reflects 2 green FA rating(s).
- HBAN’s FA Score: 1 green, 4 red.
- KEY’s FA Score: 2 green, 3 red.
- ZION’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.
HBAN’s TA Score shows that 7 TA indicator(s) are bullish while KEY’s TA Score has 6 bullish TA indicator(s), and ZION’s TA Score reflects 6 bullish TA indicator(s).
- HBAN’s TA Score: 7 bullish, 4 bearish.
- KEY’s TA Score: 6 bullish, 4 bearish.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
HBAN (@Regional Banks) experienced а +2.87% price change this week, while KEY (@Regional Banks) price change was +1.58% , and ZION (@Regional Banks) price fluctuated +2.78% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
Reported Earning Dates
HBAN is expected to report earnings on Apr 23, 2026.
KEY is expected to report earnings on Jul 21, 2026.
ZION is expected to report earnings on Apr 20, 2026.
Industries' Descriptions
@Regional Banks (+1.58% 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.
| HBAN | KEY | ZION | |
| Capitalization | 34.3B | 23.7B | 9.23B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -1.894 | 6.666 | 7.964 |
| P/E Ratio | 12.12 | 13.37 | 10.44 |
| Revenue | 8.13B | 7.29B | 3.39B |
| Total Cash | 1.78B | N/A | 771M |
| Total Debt | 18.5B | 11B | 3.47B |
HBAN | KEY | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 24 | 25 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 76 Overvalued | 79 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 62 | 73 | 76 | |
SMR RATING 1..100 | 7 | 8 | 9 | |
PRICE GROWTH RATING 1..100 | 49 | 15 | 18 | |
P/E GROWTH RATING 1..100 | 46 | 92 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 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.
HBAN's Valuation (76) in the Regional Banks industry is in the same range as KEY (79) in the Major Banks industry, and is in the same range as ZION (87) in the Regional Banks industry. This means that HBAN's stock grew similarly to KEY’s and similarly to ZION’s over the last 12 months.
HBAN's Profit vs Risk Rating (62) in the Regional Banks industry is in the same range as KEY (73) in the Major Banks industry, and is in the same range as ZION (76) in the Regional Banks industry. This means that HBAN's stock grew similarly to KEY’s and similarly to ZION’s over the last 12 months.
HBAN's SMR Rating (7) in the Regional Banks industry is in the same range as KEY (8) in the Major Banks industry, and is in the same range as ZION (9) in the Regional Banks industry. This means that HBAN's stock grew similarly to KEY’s and similarly to ZION’s over the last 12 months.
KEY's Price Growth Rating (15) in the Major Banks industry is in the same range as ZION (18) in the Regional Banks industry, and is somewhat better than the same rating for HBAN (49) in the Regional Banks industry. This means that KEY's stock grew similarly to ZION’s and somewhat faster than HBAN’s over the last 12 months.
ZION's P/E Growth Rating (45) in the Regional Banks industry is in the same range as HBAN (46) in the Regional Banks industry, and is somewhat better than the same rating for KEY (92) in the Major Banks industry. This means that ZION's stock grew similarly to HBAN’s and somewhat faster than KEY’s over the last 12 months.
| HBAN | KEY | ZION | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 70% | 2 days ago 59% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 66% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 61% | 2 days ago 69% | 2 days ago 72% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 61% | 2 days ago 75% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 65% | 2 days ago 67% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 60% | 2 days ago 63% |
| Advances ODDS (%) | 10 days ago 62% | 2 days ago 61% | 4 days ago 65% |
| Declines ODDS (%) | 20 days ago 62% | 4 days ago 70% | N/A |
| BollingerBands ODDS (%) | 2 days ago 65% | 2 days ago 70% | 2 days ago 64% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 62% | 2 days ago 64% |
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HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN has been closely correlated with KEY. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBAN jumps, then KEY could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | +1.69% | ||
| KEY - HBAN | 90% Closely correlated | +0.60% | ||
| CFG - HBAN | 89% Closely correlated | +0.06% | ||
| RF - HBAN | 89% Closely correlated | +0.75% | ||
| FITB - HBAN | 87% Closely correlated | +1.66% | ||
| ZION - HBAN | 87% Closely correlated | +1.97% | ||
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ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with FNB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | +1.97% | ||
| FNB - ZION | 90% Closely correlated | +3.10% | ||
| CFG - ZION | 89% Closely correlated | +0.06% | ||
| RF - ZION | 88% Closely correlated | +0.75% | ||
| ONB - ZION | 87% Closely correlated | +2.88% | ||
| KEY - ZION | 87% Closely correlated | +0.60% | ||
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