KeyCorp (KEY)vsU.S. Bancorp (USB)
KEY
KeyCorp
$21.60
-0.41%
FINANCIAL SERVICES · Cap: $23.52B
USB
U.S. Bancorp
$55.53
+0.40%
FINANCIAL SERVICES · Cap: $85.86B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 270% more annual revenue ($26.65B vs $7.20B). USB leads profitability with a 29.3% profit margin vs 27.0%. USB appears more attractively valued with a PEG of 1.92. KEY earns a higher WallStSmart Score of 75/100 (B).
KEY
Strong Buy75
out of 100
Grade: B
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 35.8%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 30.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KEY
The strongest argument for KEY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.0% and operating margin at 35.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : KEY
The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
KEY profiles as a mature stock while USB is a value play — different risk/reward profiles.
KEY carries more volatility with a beta of 1.05 — expect wider price swings.
KEY is growing revenue faster at 11.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
KEY scores higher overall (75/100 vs 71/100), backed by strong 27.0% margins and 11.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
KeyCorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?