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KEY or RF or ZION
Which Stock Would AI Choose? KeyCorp (KEY) vs. Regions Financial Corporation (RF) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- KEY, RF, and ZION are regional banks showing resilience with YTD gains around 5-7%, outperforming broader market volatility in recent weeks.
- ZION leads with the lowest P/E ratio at 8.99 and strongest YTD performance at 7.06%, supported by recent revenue growth and analyst upgrades.
- All three offer attractive dividend yields above 3.3%, with KEY at 4.29% and RF at 4.11%, appealing to income-focused investors amid sector pressures.
- Recent market activity reflects caution due to operational concerns and credit risks, with 1-month declines of 12-15% across the trio, yet analyst price target hikes signal recovery potential.
- ZION's lower beta of 0.82 indicates relative stability compared to KEY (1.09) and RF (1.04), positioning it favorably in uncertain conditions.
Introduction
Regional banks like KEY, RF, and ZION provide essential commercial and consumer banking services across key U.S. markets, making them pivotal for investors tracking sector relative performance. This comparison analyzes their business models, recent stock behavior, and market positioning amid interest rate dynamics and economic shifts. Traders seeking momentum plays and long-term investors focused on dividends and valuations will find insights into trade-offs in growth, stability, and risk, helping inform decisions in the current banking landscape.
KEY Overview and Recent Performance
KEY, the holding company for KeyBank National Association, delivers retail and commercial banking, wealth management, and lending services primarily in the Midwest and Northeast. In recent market activity, shares traded around $19.10, with a market cap of $20.81 billion and YTD return of approximately 6.55%. The stock has navigated flat growth and credit risk concerns, reflected in a 1-month decline of nearly 13%, yet benefits from Morgan Stanley's recent price target raise to $26. Sentiment has been influenced by community investments and branch expansions, alongside a P/E of 12.57 and 4.29% dividend yield, underscoring its appeal amid sector caution.
RF Overview and Recent Performance
RF, known as Regions Financial Corporation, operates consumer, corporate, and wealth management banking across the South, Midwest, and Texas. Shares recently closed at $25.45, with a $22.32 billion market cap and YTD gain of 5.19%. Recent weeks saw a 15% monthly pullback amid muted growth and operational scrutiny ahead of Q1 earnings on April 17, contributing to mixed analyst views. Performance reflects broader regional bank pressures, balanced by a solid 4.11% dividend yield, P/E of 11.07, and leadership appointments signaling innovation focus.
ZION Overview and Recent Performance
ZION, or Zions Bancorporation, National Association, serves Western U.S. markets through brands like Zions Bank and Amegy Bank, emphasizing commercial real estate, retail banking, and wealth services. Trading near $54.02 with an $7.99 billion market cap, it posted the strongest YTD return at 7.06%. Despite a 13% 1-month dip tied to share weakness, revenues rose in 2025, bolstered by Baird and Morgan Stanley upgrades; a low P/E of 8.99 and 3.33% yield enhance its profile.
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Head-to-Head Comparison
KEY and RF emphasize diversified consumer and commercial banking in Midwest/South regions, with larger market caps ($20-22B) and higher yields (4.1-4.3%), but elevated betas (1.04-1.09) expose them to rate sensitivity. ZION, focused on high-growth Western markets, trades at a valuation discount (P/E 8.99 vs. 11-12.6) and lower beta (0.82), offering stability amid credit risks, though its smaller cap ($8B) heightens volatility trade-offs. Recent momentum favors ZION's upgrades and revenue trends over peers' operational hurdles; all face sector exposure to deposits and loans, with KEY gaining from analyst hikes but RF lagging on sentiment.
Tickeron AI Verdict
Tickeron’s AI currently leans toward ZION, citing its superior YTD momentum, lowest valuation multiples, and analyst upgrades amid consistent revenue growth. Lower beta and Western market catalysts position it for relative outperformance, though probabilities hinge on stabilizing credit and rates.
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.
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 2 green FA rating(s), and ZION’s FA Score reflects 2 green FA rating(s).
- KEY’s FA Score: 2 green, 3 red.
- RF’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.
KEY’s TA Score shows that 6 TA indicator(s) are bullish while RF’s TA Score has 6 bullish TA indicator(s), and ZION’s TA Score reflects 6 bullish TA indicator(s).
- KEY’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
KEY (@Regional Banks) experienced а +1.58% price change this week, while RF (@Regional Banks) price change was +2.29% , and ZION (@Regional Banks) price fluctuated +2.75% 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
KEY is expected to report earnings on Jul 21, 2026.
RF is expected to report earnings on Jul 17, 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.
| KEY | RF | ZION | |
| Capitalization | 23.7B | 24B | 9.23B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 6.666 | 4.799 | 7.930 |
| P/E Ratio | 13.37 | 11.67 | 10.44 |
| Revenue | 7.29B | 7.53B | 3.39B |
| Total Cash | N/A | 3.11B | 771M |
| Total Debt | 11B | 4.88B | 3.47B |
KEY | RF | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 45 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 79 Overvalued | 69 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 73 | 39 | 76 | |
SMR RATING 1..100 | 8 | 7 | 9 | |
PRICE GROWTH RATING 1..100 | 14 | 19 | 15 | |
P/E GROWTH RATING 1..100 | 92 | 38 | 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.
RF's Valuation (69) in the Major 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 RF's stock grew similarly to KEY’s and similarly to ZION’s over the last 12 months.
RF's Profit vs Risk Rating (39) in the Major Banks industry is somewhat better than the same rating for KEY (73) in the Major Banks industry, and is somewhat better than the same rating for ZION (76) in the Regional Banks industry. This means that RF's stock grew somewhat faster than KEY’s and somewhat faster than ZION’s over the last 12 months.
RF's SMR Rating (7) in the Major 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 RF's stock grew similarly to KEY’s and similarly to ZION’s over the last 12 months.
KEY's Price Growth Rating (14) in the Major Banks industry is in the same range as ZION (15) in the Regional Banks industry, and is in the same range as RF (19) in the Major Banks industry. This means that KEY's stock grew similarly to ZION’s and similarly to RF’s over the last 12 months.
RF's P/E Growth Rating (38) in the Major Banks industry is in the same range as ZION (45) in the Regional Banks industry, and is somewhat better than the same rating for KEY (92) in the Major Banks industry. This means that RF's stock grew similarly to ZION’s and somewhat faster than KEY’s over the last 12 months.
| KEY | RF | ZION | |
|---|---|---|---|
| RSI ODDS (%) | 3 days ago 59% | 3 days ago 64% | 3 days ago 67% |
| Stochastic ODDS (%) | 3 days ago 66% | 3 days ago 63% | 3 days ago 73% |
| Momentum ODDS (%) | 3 days ago 69% | 3 days ago 64% | 3 days ago 72% |
| MACD ODDS (%) | 3 days ago 61% | 3 days ago 64% | 3 days ago 75% |
| TrendWeek ODDS (%) | 3 days ago 65% | 3 days ago 63% | 3 days ago 67% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 59% | 3 days ago 63% |
| Advances ODDS (%) | 3 days ago 61% | 3 days ago 62% | 5 days ago 65% |
| Declines ODDS (%) | 5 days ago 70% | 24 days ago 64% | N/A |
| BollingerBands ODDS (%) | 3 days ago 70% | 3 days ago 55% | 3 days ago 64% |
| Aroon ODDS (%) | 3 days ago 62% | 3 days ago 56% | 3 days ago 64% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| FTDS | 61.17 | 0.31 | +0.51% |
| First Trust Dividend Strength ETF | |||
| MYCO | 24.75 | 0.12 | +0.47% |
| State Street® My2035 Corporate Bond ETF | |||
| TWOX | 28.15 | 0.10 | +0.37% |
| iShares Large Cp Accelerated Outcome ETF | |||
| WIA | 8.20 | 0.02 | +0.24% |
| Western Asset Inflation-Linked Income Fund | |||
| OXLC | 10.00 | -0.02 | -0.20% |
| Oxford Lane Capital Corp. | |||
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% | +1.93% | ||
| FNB - ZION | 90% Closely correlated | +3.10% | ||
| RF - ZION | 88% Closely correlated | +0.75% | ||
| ONB - ZION | 87% Closely correlated | +2.88% | ||
| KEY - ZION | 87% Closely correlated | +0.60% | ||
| CFG - ZION | 87% Closely correlated | +0.06% | ||
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