KEY KeyCorp

company

SEC Filings & Insider Trading Activity 2026

Risk Factors

• • Commercial loan concentration: ~72% of loan portfolio in C&I, CRE, and commercial leases as of Dec 31, 2025 — elevated loss risk if market deteriorates
• • Scotiabank holds ~14.9% of KeyCorp common shares with rights to designate up to two Board directors, creating governance influence and takeover deterrence risk
• • Tariffs, Russia-Ukraine/Israel-Hamas wars, and potential China recession cited as concrete threats to collateral values and borrower supply chains
• • Cybersecurity exposure amplified by third-party downstream vendors; Key unable to monitor or control their safeguards, and past DDoS/breach incidents already occurred
• • Category IV bank ($100B–$250B assets) currently exempt from certain capital/liquidity standards under Dodd-Frank, but regulatory tailoring may tighten, raising compliance costs

Management Discussion & Analysis

• • Revenue (TE) $7,513M in 2025; NII (TE) up $861M YoY to $4,671M; net interest margin 2.69% vs 2.16% in 2024
• • Return on avg tangible common equity 11.85% vs -3.03% in 2024; effective tax rate 20.7% vs 46.6% in 2024
• • Best segment: Commercial Bank net income $1,447M, up 32.6% YoY; Consumer Bank net income $527M, up 110.0% YoY
• • Capital allocation: $0.82/share annual dividend; $1.0B buyback authorized, 11.1M shares repurchased in Q4 2025; CET1 ratio 11.78%
• • 2026 guidance: revenue (TE) up ~7% to ~$8.0B; NII up 8-10%; medium-term target ROTCE 15%+ and NIM 3.25%+ by end of 2027

Business Overview

• • Diversified bank-based financial services via Consumer Bank and Commercial Bank segments; $184.4B total assets at Dec 31, 2025
• • Voluntary employee turnover fell to 12.7% in 2025 vs 13.2% in 2024 and 5-year average of 15.3%; workforce of 17,883
• • CET1 ratio of 11.78% vs regulatory minimum of 7.70%, with stress capital buffer set at 3.20% effective Oct 1, 2025
• • CFPB dismantlement efforts by current administration a key regulatory wildcard; Key actively monitoring multiple active court cases
• • OCC proposed raising Heightened Standards threshold to $700B assets (Dec 2025), which would exempt KeyBank from current governance mandates

What are the latest KEY SEC filings in 2026?

KeyCorp (KEY) has filed a 10-K annual report on February 23, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 21, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did KEY file its most recent 10-K annual report?

KeyCorp (KEY) filed its most recent 10-K annual report on February 23, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view KEY 10-Q quarterly reports?

KeyCorp (KEY)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every KEY 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has KEY filed recently?

KeyCorp (KEY)'s most recent 8-K was filed on July 21, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find KEY insider trading activity (Form 4)?

SignalX aggregates every KEY Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does KEY file with the SEC?

KeyCorp (KEY) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new KEY filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for KeyCorp (KEY).

What is KEY's SEC CIK number?

KeyCorp (KEY)'s SEC CIK (Central Index Key) number is 91576. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 91576 to look up all KEY filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find KEY return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from KeyCorp (KEY) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.