Tax-loss harvesting alternatives for KEY

Among the 88 Regional Banks peers screened, CFG (Citizens Financial) has tracked KEY most closely over the past year, with a return correlation of 0.89. The strongest fund stand-in is KBE (SPDR S&P Bank ETF) at 0.88 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
CFG	Citizens Financial	Regional Banks	0.89	0.88	0.87	0.90
RF	Regions Financial	Regional Banks	0.88	0.86	0.83	0.88
ZION	Zions Bancorporation	Regional Banks	0.87	0.86	0.88	0.85
HBAN	Huntington Bancshares	Regional Banks	0.85	0.86	0.85	0.88
ASB	Associated Bank	Regional Banks	0.85	0.84	0.80	0.84
FITB	Fifth Third Bancorp	Regional Banks	0.85	0.84	0.86	0.89
ONB	Old National Bank	Regional Banks	0.84	0.81	0.75	0.77
MTB	M&T Bank Corp.	Regional Banks	0.84	0.82	0.75	0.80
FULT	Fulton Financial Corporation	Regional Banks	0.83	0.80	0.76	0.79
FNB	FNB Corporation	Regional Banks	0.83	0.84	0.79	0.84
WTFC	Wintrust Financial	Regional Banks	0.82	0.82	0.81	0.84
EWBC	East West Bancorp	Regional Banks	0.80	0.81	0.83	0.83
UCB	United Community Banks, Inc.	Regional Banks	0.80	0.80	0.77	0.78
COLB	Columbia Banking System	Regional Banks	0.79	0.75	0.75	0.77
AUB	Atlantic Union Bankshares, Corp.	Regional Banks	0.79	0.79	0.75	0.77
INDB	Independent Bank Corp.	Regional Banks	0.79	0.76	0.72	0.73
HWC	Hancock Whitney	Regional Banks	0.79	0.81	0.78	0.82
TCBI	Texas Capital Bancshares	Regional Banks	0.78	0.75	0.75	0.77
VLY	Valley Bank	Regional Banks	0.78	0.76	0.72	0.78
FHN	First Horizon	Regional Banks	0.78	0.80	0.66	0.78
UMBF	UMB Financial Corp.	Regional Banks	0.78	0.79	0.77	0.79
SSB	South State Bank	Regional Banks	0.78	0.80	0.77	0.76
PNFP	Pinnacle Financial Partners	Regional Banks	0.77	0.80	0.77	0.81
WAL	Western Alliance Bancorporation	Regional Banks	0.77	0.81	0.77	0.80
FHB	First Hawaiian, Inc.	Regional Banks	0.77	0.76	0.78	0.77
FIBK	First Interstate BancSystem, Inc.	Regional Banks	0.77	0.80	0.70	0.73
CATY	Cathay General Bancorp	Regional Banks	0.77	0.77	0.75	0.81
ABCB	Ameris Bancorp	Regional Banks	0.77	0.81	0.80	0.81
UBSI	United Bankshares	Regional Banks	0.76	0.79	0.73	0.77
SBCF	Seacoast Banking Corporation of Florida	Regional Banks	0.76	0.78	0.78	0.79
SFNC	Simmons First National Corporation	Regional Banks	0.76	0.75	0.73	0.76
FBK	FB Financial Corp.	Regional Banks	0.75	0.76	0.72	0.73
GBCI	Glacier Bancorp	Regional Banks	0.75	0.75	0.72	0.76
TRMK	Trustmark Corp.	Regional Banks	0.75	0.76	0.69	0.75
RNST	Renasant Corp.	Regional Banks	0.74	0.76	0.71	0.75
PFS	Provident Financial Services, Inc.	Regional Banks	0.74	0.76	0.71	0.75
CFR	Frost Bank	Regional Banks	0.74	0.79	0.76	0.81
FFBC	First Financial Bancorp	Regional Banks	0.74	0.76	0.73	0.78
BOH	Bank of Hawaii	Regional Banks	0.73	0.73	0.74	0.76
HOMB	Home BancShares	Regional Banks	0.73	0.77	0.72	0.77
OZK	Bank OZK	Regional Banks	0.73	0.75	0.75	0.72
FBP	First BanCorp (Puerto Rico)	Regional Banks	0.73	0.74	0.72	0.75
AX	Axos Financial, Inc.	Regional Banks	0.73	0.73	0.71	0.72
CBSH	Commerce Bancshares	Regional Banks	0.73	0.76	0.72	0.73
BKU	BankUnited, Inc.	Regional Banks	0.72	0.80	0.80	0.83
BANC	Banc Of California, Inc.	Regional Banks	0.72	0.75	0.72	0.70
FFIN	First Financial Bankshares	Regional Banks	0.72	0.75	0.71	0.75
FBNC	First Bancorp (Southern Pines NC)	Regional Banks	0.72	0.72	0.68	0.72
WSBC	WesBanco	Regional Banks	0.72	0.75	0.72	0.77
HOPE	Hope Bancorp, Inc.	Regional Banks	0.71	0.75	0.74	0.77
EBC	Eastern Bankshares, Inc.	Regional Banks	0.71	0.75	0.73	—
WSFS	WSFS Financial Corporation	Regional Banks	0.70	0.77	0.75	0.76
CVBF	CVB Financial Corp.	Regional Banks	0.70	0.76	0.74	0.74
CPF	Central Pacific Financial Corp.	Regional Banks	0.70	0.69	0.69	0.72
PB	Prosperity Bancshares	Regional Banks	0.69	0.76	0.73	0.78
CBU	Community Bank System, Inc.	Regional Banks	0.68	0.73	0.68	0.71
IBOC	Intl Bancshares Corp	Regional Banks	0.68	0.75	0.71	0.75
CFFN	Capitol Federal Savings Bank	Regional Banks	0.68	0.66	0.61	0.62
NBHC	National Bank Holdings Corporation	Regional Banks	0.68	0.70	0.70	0.72
NBTB	NBT Bancorp, Inc.	Regional Banks	0.68	0.71	0.68	0.72
BANF	Bancfirst Corp	Regional Banks	0.67	0.67	0.62	0.71
NWBI	Northwest Bancshares, Inc.	Regional Banks	0.67	0.74	0.66	0.72
FCF	First Commonwealth Financial, Corp.	Regional Banks	0.67	0.73	0.71	0.77
STBA	S&T Bancorp, Inc.	Regional Banks	0.67	0.74	0.69	0.73
HFWA	Heritage Financial Corporation	Regional Banks	0.66	0.71	0.67	0.71
WBS	Webster Bank	Regional Banks	0.66	0.79	0.80	0.83
BANR	Banner Corporation	Regional Banks	0.66	0.73	0.73	0.76
SBSI	Southside Bancshares, Inc.	Regional Banks	0.66	0.69	0.66	0.69
CUBI	Customers Bancorp, Inc.	Regional Banks	0.66	0.66	0.70	0.73
SFBS	ServisFirst Bancshares, Inc.	Regional Banks	0.65	0.71	0.63	0.69
HTH	Hilltop Holdings Inc.	Regional Banks	0.65	0.69	0.62	0.67
LKFN	Lakeland Financial	Regional Banks	0.64	0.69	0.64	0.67
DCOM	Dime Community Bancshares, Inc.	Regional Banks	0.64	0.71	0.73	0.75
FLG	Flagstar Bank	Regional Banks	0.64	0.43	0.47	0.52
WAFD	WaFd, Inc.	Regional Banks	0.62	0.72	0.67	0.71
PFBC	Preferred Bank	Regional Banks	0.61	0.70	0.69	0.71
TRST	TrustCo Bank Corp NY	Regional Banks	0.61	0.69	0.63	0.69
BBT	Beacon Financial Corp.	Regional Banks	0.60	0.71	0.71	0.73
OFG	OFG Bancorp	Regional Banks	0.58	0.69	0.68	0.68
NIC	Nicolet Bankshares	Regional Banks	0.58	0.64	0.60	0.63
CHCO	City Holding Company	Regional Banks	0.58	0.68	0.62	0.68
WABC	Westamerica Bank	Regional Banks	0.58	0.67	0.65	0.67
HAFC	Hanmi Financial Corporation	Regional Banks	0.56	0.64	0.67	0.72
TBBK	The Bancorp, Inc.	Regional Banks	0.55	0.58	0.63	0.64
CASH	Pathward Financial, Inc.	Regional Banks	0.54	0.62	0.63	0.64
EGBN	Eagle Bancorp Inc	Regional Banks	0.52	0.63	0.62	0.65
TFIN	Triumph Bancorp, Inc.	Regional Banks	0.50	0.58	0.56	0.62
MBIN	Merchants Bancorp	Regional Banks	0.46	0.53	0.52	0.57

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
KBE	SPDR S&P Bank ETF	Banks	INDUSTRY	0.88	0.88	0.88	0.91
KBWB	Invesco KBW Bank ETF	Large Banks	INDUSTRY	0.87	0.88	0.89	0.91
KRE	SPDR S&P Regional Banking ETF	Regional Banks	SUB-IND	0.87	0.87	0.88	0.91
IYF	iShares US Financials ETF	Financials Sector	SECTOR	0.75	0.77	0.77	0.82
VFH	Vanguard Financials ETF	Financials Sector	SECTOR	0.73	0.76	0.77	0.84
XLF	Financial Select Sector SPDR	Financials Sector	SECTOR	0.70	0.72	0.74	0.82
IAI	iShares Broker-Dealers & Exchanges	Capital Markets	INDUSTRY	0.55	0.66	0.67	0.75
IPAY	ETFMG Prime Mobile Payments	Payments	SUB-IND	0.46	0.60	0.55	0.59
KIE	SPDR S&P Insurance ETF	Insurance	INDUSTRY	0.40	0.47	0.59	0.72
FINX	Global X FinTech ETF	FinTech	SUB-IND	0.36	0.55	0.50	0.50
IAK	iShares US Insurance ETF	Insurance	INDUSTRY	0.32	0.41	0.56	0.71
ARKF	ARK Fintech Innovation ETF	FinTech (Active)	SUB-IND	0.31	0.50	0.43	0.41

NEXT STEPS

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Replacement research for KEY's peers

CFG RF ZION HBAN ASB FITB ONB MTB FULT FNB WTFC EWBC UCB COLB AUB INDB HWC TCBI VLY FHN UMBF SSB PNFP WAL FHB FIBK CATY ABCB UBSI SBCF SFNC FBK GBCI TRMK RNST PFS CFR FFBC BOH HOMB OZK FBP AX CBSH BKU BANC FFIN FBNC WSBC HOPE EBC WSFS CVBF CPF PB CBU IBOC CFFN NBHC NBTB BANF NWBI FCF STBA HFWA WBS BANR SBSI CUBI SFBS HTH LKFN DCOM FLG WAFD PFBC TRST BBT OFG NIC CHCO WABC HAFC TBBK CASH EGBN TFIN MBIN

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.