COMP <GO>
KEY vs PNFP // ALTMAN Z-SCORE & DEBT/EQUITY
KeyCorp (NYSE) VS. Pinnacle Financial Partners Inc. (NYSE) • 15-METRIC TALLY: KEY 9
— PNFP 3
■ METRIC PARITY
LAST: $21.49 (+1.75%) • MKT CAP: $22.54B
balance-sheet
—
LAST: $104.32 (+2.62%) • MKT CAP: $15.36B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (KEY VS. PNFP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | KEY | PNFP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.60% | 3.60% | -1.00 | PNFP | /roic <GO> |
| EV/EBITDA & P/E Valuation | 30.3x | 29.9x | +0.40 | PNFP | /valuation <GO> |
| Free Cash Flow Yield | 9.29% | 4.18% | +5.11 | KEY | /fcf-yield <GO> |
| Operating Margin | 75.00% | 22.50% | +52.50 | KEY | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 18.40% | +49.60 | KEY | /net-margins <GO> |
| Revenue Growth (YoY) | 6.50% | -1.10% | +7.60 | KEY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.60% | 1.76% | +2.84 | KEY | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 6/9 | +2.00 | KEY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 65.4 | -11.40 | PNFP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.07 | 0.92 | +0.15 | KEY | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.6x | 18.0x | -6.40 | KEY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.54B | $15.36B | $7.18B | KEY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | KEY REV | PNFP REV | KEY GROSS % | PNFP GROSS % | KEY FCF | PNFP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.75B | $2.62B | — | — | $2.13B | $642.9M |
| FY 2024 | $1.64B | $1.59B | — | — | $590.1M | $764.9M |
| FY 2023 | $1.44B | $1.80B | — | — | $2.84B | $1.28B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
KEY // BETA 1.07
PNFP // BETA 0.92