Kish Bancorp Inc (KISB)
OTHER OTC:KISB
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Kish Bancorp
(OTC:KISB)
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Rating:69Neutral
Price Target:
$69.00
â–²(69.95% Upside)
Action:Downgraded
Date:06/04/26
The score is driven primarily by solid but uneven financial performance (profitability supported by cash flow, offset by volatile growth and leverage swings), supported by strong technical uptrend signals. Valuation is a clear positive due to the low P/E and a moderate dividend yield, partially tempered by near-overbought RSI.
Positive Factors
Consistent profitability and healthy margins
Net margins in the mid-teens to mid-20s indicate durable core profitability for a regional bank. Sustained margins support internal capital generation, dividend capacity, and loan loss absorption over cycles, underpinning long-term earnings resilience.
Negative Factors
Volatile revenue growth and uneven top-line history
Material swings in revenue reduce predictability of future earnings and complicate capital planning. Periodic contractions and sharp rebounds suggest reliance on episodic deals or interest-rate sensitivity, increasing execution risk for sustained growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent profitability and healthy margins
Net margins in the mid-teens to mid-20s indicate durable core profitability for a regional bank. Sustained margins support internal capital generation, dividend capacity, and loan loss absorption over cycles, underpinning long-term earnings resilience.
Read all positive factors
Kish Bancorp (KISB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$166.80M
Dividend Yield3.75%
Average Volume (3M)1.13K
Price to Earnings (P/E)9.7
Beta (1Y)0.14
Revenue Growth14.89%
EPS Growth30.34%
CountryUS
Employees125
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.05
Shares Outstanding2,606,219
10 Day Avg. Volume1,305
30 Day Avg. Volume1,125
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)1.01
Price to Sales (P/S)1.06
P/FCF Ratio6.66
Enterprise Value/Market Cap2.92
Enterprise Value/Revenue4.59
Enterprise Value/Gross Profit6.94
Enterprise Value/Ebitda22.08
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Kish Bancorp Business Overview & Revenue Model
Company Description
Kish Bancorp, Inc. operates as a broad-spectrum financial services enterprise, primarily serving customers throughout central Pennsylvania and its adjacent regions. The company offers an extensive array of banking solutions, which encompass divers...
How the Company Makes Money
Kish Bancorp primarily makes money through its banking subsidiary by earning interest income on loans and investment securities and by generating fee-based revenue from customer services. The largest driver is typically net interest income: the ba...
Kish Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
56
Neutral
Cash Flow
61
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 119.04M | 60.45M | 84.77M | 59.30M | 50.95M |
| Gross Profit | 70.27M | 60.45M | 54.29M | 50.35M | 43.95M |
| EBITDA | 22.09M | 19.77M | 17.34M | 16.75M | 12.63M |
| Net Income | 18.13M | 14.52M | 13.50M | 12.86M | 9.88M |
Balance Sheet | |||||
| Total Assets | 1.97B | 1.69B | 1.54B | 1.30B | 1.23B |
| Cash, Cash Equivalents and Short-Term Investments | 12.13M | 17.22M | 208.96M | 175.66M | 272.75M |
| Total Debt | 345.77M | 49.00M | 235.96M | 152.74M | 134.62M |
| Total Liabilities | 1.85B | 1.59B | 1.45B | 1.22B | 1.16B |
| Stockholders Equity | 124.16M | 106.11M | 92.77M | 71.97M | 77.10M |
Cash Flow | |||||
| Free Cash Flow | 18.90M | 13.16M | 13.42M | 13.22M | 14.02M |
| Operating Cash Flow | 21.50M | 15.03M | 16.55M | 16.19M | 16.93M |
| Investing Cash Flow | -279.95M | -160.98M | -232.68M | -149.78M | -175.46M |
| Financing Cash Flow | 258.75M | 133.44M | 225.76M | 59.93M | 122.62M |
Kish Bancorp Technical Analysis
Positive
40.60
Price Trends
59.04
Positive
53.16
Positive
46.21
Positive
Market Momentum
1.15
Positive
80.81
Negative
71.62
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KISB, the sentiment is Positive. The current price of 40.6 is below the 20-day moving average (MA) of 62.60, below the 50-day MA of 59.04, and below the 200-day MA of 46.21, indicating a bullish trend. The MACD of 1.15 indicates Positive momentum. The RSI at 80.81 is Negative, neither overbought nor oversold. The STOCH value of 71.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KISB.
Kish Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $88.73M | 11.20 | 8.78% | 4.16% | 4.30% | 20.85% | |
73 Outperform | $134.75M | 15.82 | 6.30% | 2.12% | 6.16% | 68.02% | |
69 Neutral | $166.80M | 9.71 | 16.34% | 3.75% | 14.89% | 30.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
50 Neutral | $105.55M | -26.37 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
KISB
Kish Bancorp
64.00
30.91
93.43%
AUBN
Auburn National Bancorporation
25.05
4.25
20.44%
LSBK
Lake Shore Bancorp
17.03
5.77
51.26%
PBHC
Pathfinder Bancorp
16.20
2.18
15.57%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.