Is KEY or LARK more undervalued in 2026?

CirclFi compares KeyCorp (KEY) and Landmark Bancorp Inc. (LARK) using 13 institutional-grade valuation models. KEY has a Quality of Company score of 7.8/10 while LARK scores 9.0/10.

Which is a better buy — KEY or LARK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do KEY and LARK valuations compare?

KEY at $21.33 and LARK at $28.42 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

KEY vs LARK Valuation Comparison 2026 — Intrinsic Value Analysis

KEY

National Commercial Banks

KeyCorp

Quality

7.8

out of 10

Value Trap

SAFE

Price

$21.33

Last close

Models

10/13

Active

LARK

National Commercial Banks

Landmark Bancorp Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$28.42

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	KEY Fair Value	KEY Upside	LARK Fair Value	LARK Upside
Bayesian DCF	Intrinsic	$2.32	-89.1%	$18.70	-34.2%
Earnings Power Value	Intrinsic	$9.91	-53.6%	$24.52	-13.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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KEY vs LARK — Which Stock Is More Undervalued?

LARK scores higher with a 9.0/10 quality rating vs KEY's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing KeyCorp (KEY) and Landmark Bancorp Inc. (LARK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

KEY currently trades at $21.33 with a QOC of 7.8/10, while LARK trades at $28.42 with a QOC of 9.0/10.

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 Topology), and ensemble methods (CUCE).