KeyCorp (NYSE:KEY – Get Free Report) and Old Point Financial (NASDAQ:OPOF – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, valuation, risk, dividends, earnings, analyst recommendations and institutional ownership.
Analyst Recommendations
This is a breakdown of current recommendations for KeyCorp and Old Point Financial, as reported by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
KeyCorp | 0 | 6 | 12 | 0 | 2.67 |
Old Point Financial | 0 | 0 | 0 | 0 | N/A |
KeyCorp presently has a consensus target price of $15.71, indicating a potential upside of 7.50%. Given KeyCorp’s higher possible upside, equities analysts clearly believe KeyCorp is more favorable than Old Point Financial.
Dividends
Risk & Volatility
KeyCorp has a beta of 1.29, meaning that its share price is 29% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500.
Institutional and Insider Ownership
79.7% of KeyCorp shares are owned by institutional investors. Comparatively, 33.4% of Old Point Financial shares are owned by institutional investors. 0.6% of KeyCorp shares are owned by insiders. Comparatively, 16.3% of Old Point Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares KeyCorp and Old Point Financial’s revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
KeyCorp | $10.40 billion | 1.30 | $967.00 million | $0.79 | 18.49 |
Old Point Financial | $80.50 million | 0.90 | $7.73 million | $1.54 | 9.32 |
KeyCorp has higher revenue and earnings than Old Point Financial. Old Point Financial is trading at a lower price-to-earnings ratio than KeyCorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares KeyCorp and Old Point Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
KeyCorp | 7.53% | 8.89% | 0.54% |
Old Point Financial | 9.60% | 7.51% | 0.54% |
Summary
KeyCorp beats Old Point Financial on 10 of the 15 factors compared between the two stocks.
About KeyCorp
KeyCorp operates as the holding company for KeyBank National Association that provides various retail and commercial banking products and services in the United States. It operates in two segments, Consumer Bank and Commercial Bank. The company offers various deposits, investment products and services; commercial leasing, investment management, consumer finance; and personal finance and financial wellness, student loan refinancing, mortgage and home equity, lending, credit card, treasury, business advisory, wealth management, asset management, cash management, portfolio management, and trust and related services to individuals and small and medium-sized businesses. It also provides a suite of banking and capital market products, such as syndicated finance, debt and equity capital market products, commercial payments, equipment finance, commercial mortgage banking, derivatives, foreign exchange, financial advisory, and public finance, as well as commercial mortgage loans to consumer, energy, healthcare, industrial, public sector, real estate, and technology sectors for middle market clients. In addition, the company offers community development financing, securities underwriting, brokerage, and investment banking services. The company was founded in 1849 and is headquartered in Cleveland, Ohio.
About Old Point Financial
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. It offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. The company also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans. In addition, it offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products, wealth management, and cash management services. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.
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