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First Keystone
(OTC:FKYS)
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Rating:57Neutral
Price Target:
$18.50
â–¼(-5.13% Downside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by mixed financial performance: a recovery back to profitability and strong cash flow quality are offset by materially higher leverage and only modest recent growth. Technical signals are weak (below key moving averages with negative MACD), while valuation is supportive due to a mid-teens P/E and high dividend yield. Corporate updates reinforce dividend stability and improved results but do not fully offset balance-sheet risk.
Positive Factors
Strong cash generation
Consistently improving operating cash flow and near-par free cash flow to net income indicate high earnings quality and internal funding capacity. Over the next 2–6 months this underpins dividend support, loan loss coverage and selective reinvestment without heavy external financing.
Negative Factors
Elevated leverage
A materially higher debt-to-equity ratio reduces financial flexibility and amplifies exposure to credit losses or rate shocks. Over the next several months elevated leverage constrains capital actions, increases refinancing risk and limits capacity to absorb adverse operating surprises.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Consistently improving operating cash flow and near-par free cash flow to net income indicate high earnings quality and internal funding capacity. Over the next 2–6 months this underpins dividend support, loan loss coverage and selective reinvestment without heavy external financing.
Read all positive factors
First Keystone (FKYS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$119.57M
Dividend Yield6.26%
Average Volume (3M)1.15K
Price to Earnings (P/E)16.9
Beta (1Y)0.04
Revenue Growth7.28%
EPS Growth12.75%
CountryUS
Employees210
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.14
Shares Outstanding6,296,238
10 Day Avg. Volume1,412
30 Day Avg. Volume1,151
Financial Highlights & Ratios
PEG Ratio-0.14
Price to Book (P/B)1.09
Price to Sales (P/S)1.48
P/FCF Ratio11.08
Enterprise Value/Market Cap3.11
Enterprise Value/Revenue4.40
Enterprise Value/Gross Profit9.28
Enterprise Value/Ebitda334.92
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
First Keystone Business Overview & Revenue Model
Company Description
First Keystone Corporation acts as the holding company for First Keystone Community Bank, which delivers a comprehensive suite of banking and financial offerings. These services are provided to individuals, businesses, government entities, and oth...
How the Company Makes Money
FKYS makes money primarily through the operations of First Keystone Community Bank. Key revenue streams typically include: (1) net interest income—earned from interest and fees on loans and securities minus interest paid on deposits and other fund...
First Keystone Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
45
Neutral
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 84.65M | 83.31M | 77.12M | 62.00M | 50.84M | 48.28M |
| Gross Profit | 40.12M | 39.06M | 36.33M | 34.34M | 42.20M | 42.27M |
| EBITDA | 1.11M | 7.64M | -12.30M | 7.04M | 17.37M | 18.05M |
| Net Income | 7.06M | 6.15M | -13.20M | 5.56M | 14.02M | 14.69M |
Balance Sheet | ||||||
| Total Assets | 1.52B | 1.53B | 1.43B | 1.42B | 1.33B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 395.87M | 402.98M | 407.54M | 409.98M | 384.18M | 499.50M |
| Total Debt | 268.95M | 269.71M | 267.35M | 302.44M | 205.45M | 88.88M |
| Total Liabilities | 1.41B | 1.42B | 1.32B | 1.29B | 1.21B | 1.17B |
| Stockholders Equity | 114.17M | 113.06M | 106.78M | 121.61M | 120.39M | 148.56M |
Cash Flow | ||||||
| Free Cash Flow | 12.79M | 11.12M | 6.44M | 4.25M | 14.64M | 14.76M |
| Operating Cash Flow | 13.05M | 11.44M | 8.17M | 5.91M | 16.53M | 15.26M |
| Investing Cash Flow | 28.91M | 4.63M | -33.16M | -76.83M | -93.63M | -111.34M |
| Financing Cash Flow | 76.09M | 87.92M | 25.23M | 77.20M | 26.51M | 133.25M |
First Keystone Technical Analysis
Positive
19.50
Price Trends
18.21
Positive
18.49
Positive
17.79
Positive
Market Momentum
0.28
Negative
69.50
Neutral
99.67
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FKYS, the sentiment is Positive. The current price of 19.5 is above the 20-day moving average (MA) of 18.38, above the 50-day MA of 18.21, and above the 200-day MA of 17.79, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 69.50 is Neutral, neither overbought nor oversold. The STOCH value of 99.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FKYS.
First Keystone Risk Analysis
First Keystone disclosed 29 risk factors in its most recent earnings report. First Keystone reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Keystone Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $112.26M | 9.78 | 9.28% | 1.81% | 8.55% | 25.00% | |
73 Outperform | $131.66M | 15.79 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $107.44M | 18.25 | 4.77% | 3.50% | -1.84% | -3.36% | |
59 Neutral | $114.43M | 10.00 | 14.94% | 6.08% | 11.40% | 29.64% | |
58 Neutral | $108.12M | -25.05 | -2.73% | 1.51% | -11.57% | -191.02% | |
57 Neutral | $119.57M | 16.88 | 6.32% | 6.26% | 7.28% | 12.75% |
* Financial Sector Average
FKYS
First Keystone
19.19
1.74
9.94%
LSBK
Lake Shore Bancorp
17.20
5.74
50.07%
MGYR
Magyar Bancorp
17.54
1.16
7.11%
PROV
Provident Financial Holdings
17.20
2.23
14.93%
RVSB
Riverview Bancorp
5.32
-0.05
-0.89%
UNB
Union Bankshares
25.70
-0.01
-0.05%
First Keystone Corporate Events
DividendsFinancial Disclosures
First Keystone Declares Steady Dividend Amid Strong Earnings
Positive
May 28, 2026
On May 28, 2026, First Keystone Corporation declared a second-quarter cash dividend of $0.28 per share, payable June 30, 2026 to shareholders of record on June 11, 2026, keeping year-to-date dividends at $0.56 per share, unchanged from the prior y...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
First Keystone Shareholders Reelect Directors and Ratify Auditor
Positive
May 26, 2026
At its May 21, 2026 annual meeting, First Keystone Corporation reported that shareholders elected three Class C directors, D. Matthew Bower, Robert A. Bull and Elaine A. Woodland, to new three-year terms, with a quorum of 4,209,679 shares represen...
DividendsFinancial Disclosures
First Keystone Maintains Quarterly Dividend Amid Profit Rebound
Positive
Mar 4, 2026
On March 4, 2026, First Keystone Corporation declared a first-quarter cash dividend of $0.28 per share, payable March 31, 2026 to shareholders of record on March 12, 2026, maintaining the same payout as in the first quarter of 2025. The company no...
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.