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KEY or RF or WFC
Which Stock Would AI Choose? KeyCorp (KEY) vs. Regions Financial (RF) vs. Wells Fargo (WFC) Stock Comparison
Key Takeaways
- KEY and RF, as regional banks, have shown relative resilience with YTD declines milder than WFC's steeper drop, amid broader sector pressures from interest rate volatility.
- WFC benefits from its diversified national scale, including strong consumer and investment banking, but faces higher sensitivity to economic slowdowns.
- Recent market activity reflects caution in financials, with all three stocks trading below 52-week highs, highlighting valuation opportunities in regional players versus larger peers.
- Capital positions remain solid across the board, with CET1 ratios (Common Equity Tier 1, a key measure of core capital strength) supporting stability amid fluctuating net interest income (NII, revenue from interest-bearing assets).
- Relative performance favors regional banks in recent momentum, though WFC shows longer-term outperformance in total returns.
Introduction
This comparison examines KEY, RF, and WFC, three prominent U.S. banks representing regional and national models. KEY and RF focus on regional commercial and consumer banking, while WFC offers broader diversification. Traders seeking momentum in a volatile rate environment and investors eyeing value amid recent pullbacks will find insights into relative performance, sector exposure, and market positioning relevant for stock comparison decisions.
KEY Overview and Recent Performance
KeyCorp, headquartered in Cleveland, Ohio, operates as the holding company for KeyBank National Association, providing retail and commercial banking across 15 states. Its Consumer Bank segment serves individuals with deposits, mortgages, and credit cards, while the Commercial Bank targets middle-market clients in sectors like healthcare and real estate. Recent market activity has seen KEY stock outperform peers on select trading days despite overall sector losses, trading around $19 with a 52-week range of $12.73 to $23.35. Sentiment has been influenced by stable credit metrics, including low NCOs (net charge-offs, losses on loans after recoveries), and a CET1 ratio supporting resilience. Broader pressures from deposit competition and NII compression have tempered gains, yet relative strength versus competitors signals cautious optimism in recent weeks.
RF Overview and Recent Performance
Regions Financial Corporation, based in Birmingham, Alabama, delivers full-service banking across the South, Midwest, and Texas through segments like Corporate Bank, Consumer Bank, and Wealth Management. It emphasizes commercial lending, mortgages, and deposit products for individuals and businesses. RF shares, near $25 with a 52-week range of $17.74 to $31.53, have faced monthly declines of around 9% amid YTD softness, yet outperformed the S&P 500 over longer periods like three years at 57.81%. Key influences include expectations for Q1 EPS growth to $0.61 and an attractive dividend yield above 4%. Credit quality remains robust with controlled NCOs, though sensitivity to regional economic shifts and rate dynamics has driven recent volatility in performance and sentiment.
WFC Overview and Recent Performance
Wells Fargo & Company, a diversified financial giant founded in 1852 and headquartered in San Francisco, operates nationwide with segments in consumer lending, commercial banking, corporate investment banking, and wealth management. It serves over 70 million customers via extensive branches and digital platforms. WFC stock, around $77 in a 52-week range of $58.42 to $97.76, has experienced sharper YTD declines nearing 17%, underperforming amid three-month drops over 18%. Factors include macroeconomic pressures on NII and consumer behaviors shifting toward technology-driven finance. Stronger long-term returns, like 121.89% over three years, and a CET1 around 10.6% underscore stability, but recent sentiment reflects broader financial sector risk-off positioning.
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Head-to-Head Comparison
KEY and RF emphasize regional footprints with focused commercial lending, contrasting WFC’s national diversification into investment banking and wealth management, exposing it to broader market swings but offering growth via scale. Recent momentum slightly favors regionals, with milder YTD losses versus WFC’s steeper decline, amid shared NII pressures from deposit betas (rate sensitivity). Risk factors include NCO exposure for regionals in commercial real estate and WFC’s consumer lending cyclicality. Valuation sensitivity shows comparable P/E ratios around 11-13x, with RF’s yield edge; CET1 levels (10-11%) indicate similar stability. Market sentiment leans toward regionals for relative outperformance in downturns, trading off WFC’s catalysts like ROTCE (return on tangible common equity) expansion potential.
Tickeron AI Verdict
Tickeron’s AI currently favors RF for its balanced regional exposure, stronger relative YTD positioning, and attractive yield amid recent momentum. Observable trend consistency and lower volatility versus WFC, paired with solid CET1 and EPS growth prospects, position it probabilistically ahead in the near term, though all three warrant monitoring for rate shifts.
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).
KEY’s FA Score shows that 2 FA rating(s) are green whileRF’s FA Score has 1 green FA rating(s), and WFC’s FA Score reflects 2 green FA rating(s).
- KEY’s FA Score: 2 green, 3 red.
- RF’s FA Score: 1 green, 4 red.
- WFC’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 RF’s TA Score has 3 bullish TA indicator(s), and WFC’s TA Score reflects 4 bullish TA indicator(s).
- KEY’s TA Score: 4 bullish, 5 bearish.
- RF’s TA Score: 3 bullish, 7 bearish.
- WFC’s TA Score: 4 bullish, 6 bearish.
Price Growth
KEY (@Regional Banks) experienced а +4.84% price change this week, while RF (@Regional Banks) price change was +3.89% , and WFC (@Major Banks) price fluctuated +5.96% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.59%. For the same industry, the average monthly price growth was +3.81%, and the average quarterly price growth was +18.99%.
The average weekly price growth across all stocks in the @Major Banks industry was +4.00%. For the same industry, the average monthly price growth was +4.14%, and the average quarterly price growth was +20.50%.
Reported Earning Dates
KEY is expected to report earnings on Apr 16, 2026.
RF is expected to report earnings on Apr 17, 2026.
WFC is expected to report earnings on Apr 14, 2026.
Industries' Descriptions
@Regional Banks (+2.59% 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.
@Major Banks (+4.00% 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.
| KEY | RF | WFC | |
| Capitalization | 23B | 23.5B | 263B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 5.002 | 2.452 | -7.919 |
| P/E Ratio | 14.12 | 11.96 | 13.64 |
| Revenue | 7.29B | 7.53B | 83.7B |
| Total Cash | N/A | 3.11B | 34.8B |
| Total Debt | 11B | 4.88B | 193B |
KEY | RF | WFC | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 21 | 22 | 21 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 80 Overvalued | 69 Overvalued | 80 Overvalued | |
PROFIT vs RISK RATING 1..100 | 75 | 43 | 19 | |
SMR RATING 1..100 | 8 | 7 | 2 | |
PRICE GROWTH RATING 1..100 | 18 | 46 | 48 | |
P/E GROWTH RATING 1..100 | 89 | 39 | 44 | |
SEASONALITY SCORE 1..100 | n/a | 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.
RF's Valuation (69) in the Major Banks industry is in the same range as KEY (80) and is in the same range as WFC (80). This means that RF's stock grew similarly to KEY’s and similarly to WFC’s over the last 12 months.
WFC's Profit vs Risk Rating (19) in the Major Banks industry is in the same range as RF (43) and is somewhat better than the same rating for KEY (75). This means that WFC's stock grew similarly to RF’s and somewhat faster than KEY’s over the last 12 months.
WFC's SMR Rating (2) in the Major Banks industry is in the same range as RF (7) and is in the same range as KEY (8). This means that WFC's stock grew similarly to RF’s and similarly to KEY’s over the last 12 months.
KEY's Price Growth Rating (18) in the Major Banks industry is in the same range as RF (46) and is in the same range as WFC (48). This means that KEY's stock grew similarly to RF’s and similarly to WFC’s over the last 12 months.
RF's P/E Growth Rating (39) in the Major Banks industry is in the same range as WFC (44) and is somewhat better than the same rating for KEY (89). This means that RF's stock grew similarly to WFC’s and somewhat faster than KEY’s over the last 12 months.
| KEY | RF | WFC | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 61% | 1 day ago 56% | 1 day ago 64% |
| Stochastic ODDS (%) | 1 day ago 67% | 1 day ago 64% | 1 day ago 59% |
| Momentum ODDS (%) | 1 day ago 68% | 1 day ago 65% | 1 day ago 63% |
| MACD ODDS (%) | 1 day ago 63% | 1 day ago 64% | 1 day ago 61% |
| TrendWeek ODDS (%) | 1 day ago 65% | 1 day ago 63% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 59% | 1 day ago 59% | 1 day ago 56% |
| Advances ODDS (%) | 3 days ago 61% | 3 days ago 62% | 3 days ago 62% |
| Declines ODDS (%) | 13 days ago 70% | 16 days ago 64% | 13 days ago 59% |
| BollingerBands ODDS (%) | 1 day ago 74% | 1 day ago 55% | 1 day ago 61% |
| Aroon ODDS (%) | 1 day ago 66% | 1 day ago 49% | 1 day ago 72% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| SJLD | 25.25 | N/A | N/A |
| SanJac Alpha Low Duration ETF | |||
| GSUS | 93.53 | -0.11 | -0.12% |
| Goldman Sachs MarketBeta US Equity ETF | |||
| MDIV | 16.43 | -0.03 | -0.20% |
| Multi-Asset Diversified Income ETF | |||
| SPYU | 24.53 | -0.08 | -0.33% |
| MAX S&P 500 4X Leveraged ETN | |||
| BIB | 81.57 | -2.80 | -3.32% |
| ProShares Ultra Nasdaq Biotechnology | |||
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 93% 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.
RF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RF has been closely correlated with KEY. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if RF jumps, then KEY could also see price increases.
WFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, WFC has been closely correlated with BAC. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if WFC jumps, then BAC could also see price increases.