KeyCorp (NYSE:KEY) & Ballston Spa Bancorp (OTCMKTS:BSPA) Head-To-Head Comparison

Ballston Spa Bancorp (OTCMKTS:BSPA) and KeyCorp (NYSE:KEY) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends and earnings.

Analyst Ratings

This is a breakdown of current ratings and price targets for Ballston Spa Bancorp and KeyCorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ballston Spa Bancorp	0	0	0	0	N/A
KeyCorp	0	6	11	0	2.65

KeyCorp has a consensus target price of $17.22, indicating a potential downside of 0.01%. Given KeyCorp’s higher possible upside, analysts clearly believe KeyCorp is more favorable than Ballston Spa Bancorp.

Risk and Volatility

Ballston Spa Bancorp has a beta of -0.29, suggesting that its stock price is 129% less volatile than the S&P 500. Comparatively, KeyCorp has a beta of 1.25, suggesting that its stock price is 25% more volatile than the S&P 500.

Institutional and Insider Ownership

2.4% of Ballston Spa Bancorp shares are held by institutional investors. Comparatively, 79.7% of KeyCorp shares are held by institutional investors. 0.6% of KeyCorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Dividends

Ballston Spa Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.3%. KeyCorp pays an annual dividend of $0.82 per share and has a dividend yield of 4.8%. KeyCorp pays out 103.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. KeyCorp has raised its dividend for 13 consecutive years. KeyCorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Ballston Spa Bancorp and KeyCorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ballston Spa Bancorp	N/A	N/A	N/A
KeyCorp	7.35%	8.64%	0.54%

Earnings and Valuation

This table compares Ballston Spa Bancorp and KeyCorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ballston Spa Bancorp	$36.16 million	1.17	$4.78 million	N/A	N/A
KeyCorp	$5.97 billion	2.72	$967.00 million	$0.79	21.80

KeyCorp has higher revenue and earnings than Ballston Spa Bancorp.

Summary

KeyCorp beats Ballston Spa Bancorp on 13 of the 14 factors compared between the two stocks.

About Ballston Spa Bancorp

Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking, financing, fiduciary, brokerage, and other financial services to corporate, municipal, and individual customers in the United States. It offers checking, money market, savings, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home construction, improvement, and equity loans, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit and government programs; and debits and credit cards. The company also provides personal investment services, which include annuities, college savings plans, mutual funds, and life and long term care insurance products; retirement plans; college planning services; investment and asset management; trusteeship; estate settlement; special needs and disability trusts; and wealth management services. In addition, the company offers treasury management services; and merchant and payment processing services, as well as online and mobile banking, and digital payments. The company was founded in 1838 and is based in Ballston Spa, New York.

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.