KEY vs KFFB

KeyCorp vs Kentucky First Federal Bancorp — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — KFFB scores higher on quality with 8.1/10 vs KEY's 7.8/10. KEY trades at $21.18 while KFFB trades at $4.89. Both analyzed daily using SEC EDGAR data across 13 institutional models.

KEY

Banks - Regional
KeyCorp
Quality
7.8
out of 10
Value Trap
6
SAFE
Price
$21.18
Last close
Models
10/13
Active
VS

KFFB

Banks - Regional
Kentucky First Federal Bancorp
Quality
8.1
out of 10
Value Trap
27
LOW
Price
$4.89
Last close
Models
12/13
Active
KEY
2 models active
Limited to 2/13 visible models
KFFB
Earnings Power Value sees +10.1% upside
Limited to 2/13 visible models

KEY vs KFFB — Fair Value Comparison

KEY
$0$8$17$25 Price$21.18 Bayesian …$2.13 (-90.0%) Earnings …$9.40 (-55.6%)
KFFB
$0$2$4$6 Price$4.89 Bayesian …$4.44 (-9.1%) Earnings …$5.38 (+10.1%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType KEY Fair ValueKEY Upside KFFB Fair ValueKFFB Upside
Bayesian DCF Intrinsic $2.13 -90.0% $4.44 -9.1%
Earnings Power Value Intrinsic $9.40 -55.6% $5.38 +10.1%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

KEY vs KFFB — Which Stock Is More Undervalued in 2026?

KFFB scores higher with a 8.1/10 quality rating vs KEY's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do KEY and KFFB Valuations Compare?

At $21.18, KEY trades +90.0% above its Bayesian DCF fair value of $2.13, while KFFB at $4.89 trades +9.1% above its estimate of $4.44. KEY shows a wider gap between price and intrinsic value.

Quality of Company: KEY vs KFFB

KEY earns a Quality of Company score of 7.8/10 compared to KFFB's 8.1/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: KEY vs KFFB

KEY carries a SAFE value trap risk (6/100) while KFFB shows LOW risk (27/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Regional

Both KEY and KFFB operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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