KeyCorp (KEY)vsU.S. Bancorp (USB)
KEY
KeyCorp
$20.00
+0.91%
FINANCIAL SERVICES · Cap: $21.79B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 276% more annual revenue ($26.35B vs $7.01B). USB leads profitability with a 28.7% profit margin vs 26.1%. USB appears more attractively valued with a PEG of 1.80. KEY earns a higher WallStSmart Score of 81/100 (A-).
KEY
Exceptional Buy81
out of 100
Grade: A-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.3%
Fair Value
$71.14
Current Price
$20.00
$51.14 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 131.5% year-over-year
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 40.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KEY
The strongest argument for KEY centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.1% and operating margin at 33.6%. Revenue growth of 131.5% 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 28.7% and operating margin at 39.3%.
Bear Case : KEY
The primary concerns for KEY are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
KEY profiles as a growth stock while USB is a mature play — different risk/reward profiles.
KEY carries more volatility with a beta of 1.09 — expect wider price swings.
KEY is growing revenue faster at 131.5% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
KEY scores higher overall (81/100 vs 75/100), backed by strong 26.1% margins and 131.5% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Exceptional 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.
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