Core Insights - Small business owners are currently focused on building stronger financial foundations while managing rising costs and policy shifts [1][5] - A significant portion of small business owners are in survival mode, with 23% not focused on long-term planning and 46% feeling their performance fell short of expectations in 2025 [1][2] Financial Concerns - Inflation and rising costs are the top concerns for 50% of small business owners, surpassing competition (33%), cash flow (25%), and labor shortages (22%) [3] - 25% of small business owners are increasing prices for customers due to recent tariffs and rising costs [3] Emergency Preparedness - 46% of small business owners believe they could cover one month of operating expenses in case of an emergency, a slight decrease from 49% in Fall 2024 [2] - 72% of small business owners are very concerned about the impact of upcoming federal legislation changes on their operations [4] Confidence and Resilience - Despite uncertainties, 80% of small business owners feel confident in making informed decisions [4] - Small business owners are prioritizing strategies and resources that will help shape their resilience for the future [6][7] Seeking Professional Guidance - 21% of small business owners feel more secure by having regular conversations with their business bankers, with many seeking guidance on cash flow (33%), financial planning (33%), and tax strategy (31%) [9] - Maintaining personal resilience is also a focus, with 30% of small business owners indicating that a good night's sleep contributes to their resilience [9]

Core Insights - Analysts predict significant revenue growth for four S&P 500 stocks, with expectations of 60% or more this year, surpassing Nvidia's 58.2% and Palantir's 45.2% growth rates [2][3] Group 1: Revenue Growth Projections - Expand Energy (EXE) is expected to lead with a revenue increase of 215% in 2025, reaching $9.4 billion, driven by high oil prices [5][8] - TKO Group (TKO) is projected to achieve a 67% revenue growth, hitting $4.7 billion in 2025, reflecting strong performance in the entertainment sector [7][8] - EQT (EQT) and KeyCorp (KEY) are also forecasted to see revenue growth of 60.9% and 60.1%, respectively, indicating robust performance across various sectors [8] Group 2: Market Context - The overall S&P 500 is anticipated to post a modest revenue growth of 6.2% in 2025, highlighting the exceptional nature of the aforementioned stocks [3] - Analysts have expressed increased optimism regarding earnings outlooks for the third quarter, suggesting a positive sentiment in the market [3]

Core Insights - KeyBank has announced a partnership with Jeremiah Smith, a prominent college football player, to enhance community engagement and financial education in Ohio [1][2][4] - The initiative, named "The KeyBank Financial Playbook," aims to provide financial knowledge through football-themed content, targeting younger audiences and sports fans [2][4] - Smith's growing social media presence and commitment to education align with KeyBank's mission to empower communities [3][4][5] Company Overview - KeyCorp, the parent company of KeyBank, is celebrating its 200th anniversary in 2025, with assets totaling approximately $185 billion as of June 30, 2025 [5] - KeyBank operates a network of around 1,000 branches and 1,200 ATMs across 15 states, offering a range of financial services including deposit, lending, and investment services [5] - The bank also provides corporate and investment banking products under the KeyBanc Capital Markets brand, focusing on middle market companies [5]

Group 1 - Zacks Premium offers various tools for investors to enhance their stock market strategies, including daily updates on Zacks Rank and Industry Rank, access to the Zacks 1 Rank List, Equity Research reports, and Premium stock screens [1] - The Zacks Style Scores are designed to help investors select stocks with the highest potential to outperform the market within a 30-day timeframe, rated from A to F based on value, growth, and momentum [2][10] Group 2 - The Value Score identifies attractive and discounted stocks using financial ratios such as P/E, PEG, and Price/Sales [3] - The Growth Score focuses on a company's future prospects by analyzing projected and historical earnings, sales, and cash flow [4] - The Momentum Score helps investors capitalize on price trends and earnings outlook changes, utilizing metrics like one-week price change and monthly earnings estimate percentage change [5] Group 3 - The VGM Score combines the three Style Scores to identify stocks with the best value, growth potential, and momentum, serving as a strong indicator alongside the Zacks Rank [6] - The Zacks Rank model, based on earnings estimate revisions, has shown a strong track record, with 1 (Strong Buy) stocks yielding an average annual return of +23.64% since 1988, significantly outperforming the S&P 500 [8] Group 4 - KeyCorp, based in Cleveland, OH, offers a variety of financial services including commercial and retail banking, investment management, and investment banking across 15 states with around 1,000 branches and 1,200 ATMs [12] - KeyCorp holds a Zacks Rank of 3 (Hold) and has a VGM Score of B, with a Momentum Style Score of A, reflecting a 5.5% increase in shares over the past four weeks [12][13] - Analysts have revised KeyCorp's earnings estimate upwards for fiscal 2025, with the Zacks Consensus Estimate rising to $1.43 per share, and the company has an average earnings surprise of +8.1% [13]

Group 1 - KeyCorp (NYSE: KEY) is a regional bank with a nationwide presence, offering common shares and four different preferred share options for fixed-income investors [1] - Two of the preferred issuances, KEY.PR.J and KEY.PR.K, are trading at fixed payments [1] Group 2 - The article focuses on income investing through common shares, preferred shares, or bonds, with a target of two articles per week for publication [1]

Core Insights - Zacks Premium offers various tools for investors to enhance their stock market engagement and confidence [1] - The Zacks Style Scores are designed to complement the Zacks Rank, providing additional stock ratings based on value, growth, and momentum [2][3] Zacks Style Scores Overview - Stocks are rated A, B, C, D, or F based on their value, growth, and momentum characteristics, with higher scores indicating better performance potential [3] - The Style Scores are categorized into four types: Value Score, Growth Score, Momentum Score, and VGM Score [3][4][5][6] Value Score - The Value Score identifies attractive and discounted stocks using ratios like P/E, PEG, Price/Sales, and Price/Cash Flow [3] Growth Score - The Growth Score focuses on a stock's future prospects and financial health, analyzing projected and historical earnings, sales, and cash flow [4] Momentum Score - The Momentum Score helps investors capitalize on price trends by analyzing one-week price changes and monthly earnings estimate changes [5] VGM Score - The VGM Score combines all three Style Scores, serving as a comprehensive indicator for investors seeking value, growth, and momentum [6] Zacks Rank Integration - The Zacks Rank utilizes earnings estimate revisions to assist investors in building successful portfolios, with 1 (Strong Buy) stocks achieving an average annual return of +23.75% since 1988 [7][8] - Investors are encouraged to select stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal returns [9] KeyCorp Overview - KeyCorp, based in Cleveland, OH, offers a range of banking and financial services across 15 states with approximately 1,000 branches and 1,200 ATMs [11] - KeyCorp holds a Zacks Rank of 3 (Hold) and a VGM Score of B, indicating a solid position in the market [11] - The company has a Value Style Score of B, supported by a forward P/E ratio of 13.25, making it attractive to value investors [12] - Recent upward revisions in earnings estimates by six analysts for fiscal 2025 have increased the Zacks Consensus Estimate to $1.43 per share, with an average earnings surprise of +8.1% [12]

Group 1 - KeyCorp is represented by Clark Khayat, Chief Financial Officer, and Randy Paine, President of Key Institutional Bank [1] - Randy Paine provides an overview of Key Institutional Bank, highlighting its business operations and market differentiation [2]

KeyCorp FY Conference Summary Company Overview - **Company**: KeyCorp (NYSE: KEY) - **Event**: FY Conference held on September 08, 2025 - **Speakers**: Clark Khayat (CFO), Randy Paine (President of Key Institutional Bank) Key Points Company Structure and Differentiation - KeyCorp's Institutional Bank includes equipment finance, corporate investment banking (KeyBank Capital Markets), and a comprehensive real estate platform [4][5] - The bank has a unique position in the market, focusing on emerging growth and middle-market companies, differentiating itself from both boutique firms and larger competitors [5][6] Client Sentiment and Economic Outlook - Client sentiment is characterized as cautiously optimistic, with strong earnings reported in the first half of the year [8] - Commercial lending activity increased by 5% in the first half of the year, with investment banking fees up 19% compared to 2024 [9][10] - There is a noted slowdown in middle-market M&A activity, although large-cap M&A remains strong [11][12] Growth Projections - KeyCorp aims for mid to high single-digit growth in investment banking fees, with a potential to exceed this if market conditions remain favorable [10][11] - The bank is optimistic about reaching $1 billion in organic revenues in the future, supported by a strong real estate platform and renewable energy initiatives [13][14] Recruitment and Talent Development - KeyCorp plans to grow its investment banking team by approximately 10%, focusing on healthcare, technology, and real estate sectors [17][18] - The bank emphasizes internal talent development, with 80% of bankers in key verticals being homegrown [20] Financial Performance and Metrics - The bank's revenues are approximately $3.5 billion, with a significant portion of expenses tied to incentive compensation [30] - Net Interest Income (NII) is projected to grow by 20% to 22% for the year, with expectations of a strong NIM (Net Interest Margin) in the 270s [40][41] Technology Investments - KeyCorp is increasing technology investments by $100 million, focusing on enhancing customer service and internal productivity [27][28] M&A Strategy - The bank is open to small acquisitions, particularly those that align culturally and operationally with its existing platform [34][35] - Current focus is on broad market M&A rather than bank acquisitions, with an emphasis on enhancing capabilities in non-bank sectors [36][37] Credit and Loan Growth - Loan growth is expected to be flat, with a slight increase in commercial and industrial loans, while residential real estate is anticipated to decline [39][40] - Credit quality remains stable, with reserves expected to be flat or slightly released [42] Profitability Targets - KeyCorp aims for a return on tangible common equity (ROTCE) of 15% or higher in the midterm, with a focus on improving return on assets (ROA) [63] Collaboration with Bank of Nova Scotia - KeyCorp maintains a productive relationship with the Bank of Nova Scotia, exploring collaborative opportunities while focusing on meaningful investments [64][66] Additional Insights - The bank's approach to managing expenses includes flexibility in compensation based on performance, allowing for adjustments in response to market conditions [30][31] - The focus on affordable housing is highlighted, with KeyCorp being a leading player in this sector, leveraging its comprehensive service offerings [25][26]

Core Insights - KeyBank announced that over 4,400 clients graduated from the Key Secured Credit Card® program in the first half of 2025, indicating a significant effort to empower individuals in improving their credit scores and establishing financial stability [1] Group 1 - The program has successfully helped more than half of its participants graduate in the last year, showcasing its effectiveness in enhancing credit health [1] - The initiative is part of KeyBank's broader strategy to support long-term financial health among its clients [1]

Core Insights - KeyBank's EasyUp® tool empowers clients to save money through automatic transfers from debit card purchases, reflecting the bank's commitment to financial solutions [1][5] - Since its launch in August 2019, EasyUp has enabled clients to save over $182 million, with an average annual saving of $490 per user as of July 31, 2025 [1][2] Product Features - EasyUp allows clients to set automatic transfers of up to $5 from their checking to savings accounts with each debit card purchase, promoting consistent savings behavior [1][8] - The tool is integrated into KeyBank's online and mobile banking platforms, simplifying the process of saving without requiring significant changes in spending habits [2][8] - Clients can easily enroll in EasyUp and manage their settings, including adjusting transfer amounts and pausing or resuming the service at any time [8] Relationship Benefits - Clients using EasyUp can also benefit from KeyBank's relationship program by completing five or more qualifying transactions monthly, which includes debit card purchases [4] - This dual benefit of saving while spending enhances client engagement and loyalty to KeyBank [4][5] Company Overview - KeyCorp, the parent company of KeyBank, is celebrating its 200th anniversary in 2025 and operates with approximately $185 billion in assets as of June 30, 2025 [7] - KeyBank provides a wide range of financial services, including deposit, lending, and investment services, through a network of around 1,000 branches and 1,200 ATMs across 15 states [8]