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First Keystone (FKYS) AI Stock Analysis
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First Keystone
(Other OTC:FKYS)
The score is driven primarily by improving but still mixed financial performance (recovery in profitability and positive cash flow, offset by thin operating margins and declining free cash flow). Technicals add support with an uptrend above key moving averages and positive momentum indicators, while valuation is a modest positive due to a reasonable P/E and strong dividend yield.
First Keystone (FKYS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $124.46M
- Dividend Yield
- 5.81%
- Average Volume (3M)
- 2,256
- Price to Earnings (P/E)
- 14.8
- Beta (1Y)
- 0.07
- Revenue Growth
- 7.11%
- EPS Growth
- 1.20%
- Country
- US
- Employees
- 204
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 other...
How the Company Makes Money
First Keystone primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—primarily loans (e....
First Keystone Financial Statement Overview
Summary
Financials point to a recovery but not yet consistently strong execution. Profitability has rebounded (TTM net margin ~9.2%) and cash flow remains positive with solid earnings quality (FCF-to-net income ~0.97). Offsetting this, operating profitability is thin (EBIT/EBITDA ~2%) and free cash flow declined ~21% YoY, while leverage is improved but still meaningful for a bank (D/E ~1.16).
Income Statement
63PositiveBalance Sheet
58NeutralCash Flow
60Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 86.39M | 83.31M | 77.12M | 62.00M | 50.84M | 48.28M |
| Gross Profit | 41.64M | 39.06M | 36.33M | 34.34M | 42.20M | 42.27M |
| EBITDA | 2.13M | 7.64M | -12.30M | 7.04M | 17.37M | 18.05M |
| Net Income | 7.92M | 6.15M | -13.20M | 5.56M | 14.02M | 14.69M |
Balance Sheet | ||||||
| Total Assets | 1.57B | 1.53B | 1.43B | 1.42B | 1.33B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 378.09M | 402.98M | 407.54M | 409.98M | 384.18M | 499.50M |
| Total Debt | 268.45M | 269.71M | 267.35M | 302.44M | 205.45M | 88.88M |
| Total Liabilities | 1.46B | 1.42B | 1.32B | 1.29B | 1.21B | 1.17B |
| Stockholders Equity | 118.46M | 113.06M | 106.78M | 121.61M | 120.39M | 148.56M |
Cash Flow | ||||||
| Free Cash Flow | 10.08M | 11.12M | 6.44M | 4.25M | 14.64M | 14.76M |
| Operating Cash Flow | 10.34M | 11.44M | 8.17M | 5.91M | 16.53M | 15.26M |
| Investing Cash Flow | 15.06M | 4.63M | -33.16M | -76.83M | -93.63M | -111.34M |
| Financing Cash Flow | 123.51M | 87.92M | 25.23M | 77.20M | 26.51M | 133.25M |
First Keystone Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FKYS, the sentiment is Neutral. The current price of 18.82 is below the 20-day moving average (MA) of 19.57, below the 50-day MA of 19.08, and above the 200-day MA of 18.48, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 38.96 is Neutral, neither overbought nor oversold. The STOCH value of 14.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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.
Latest Risks Added
0 New RisksFirst Keystone Peers Comparison
Overall Rating
MGYR78Outperform
LSBK75Outperform- FKYS65Neutral
UNB63Neutral
PROV60Neutral
RVSB49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MGYR | 78Outperform | $143.96M | 11.04 | 10.23% | 1.70% | 8.91% | 30.08% |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FKYS | 65Neutral | $123.38M | 14.84 | 6.92% | 5.81% | 7.11% | 1.20% |
| UNB | 63Neutral | $112.91M | 8.68 | 15.07% | 6.31% | 3.17% | 5.55% |
| PROV | 60Neutral | $113.27M | 17.81 | 5.18% | 3.08% | 0.19% | 13.84% |
| RVSB | 49Neutral | $119.92M | -41.56 | -2.02% | 1.33% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FKYS | First Keystone Corporation | 18.82 | 3.55 | 23.28% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| MGYR | Magyar Bancorp | 22.30 | 5.42 | 32.14% | |
| PROV | Provident Financial Holdings | 18.17 | 3.16 | 21.02% | |
| RVSB | Riverview | 6.01 | 0.89 | 17.29% | |
| UNB | Union Bankshares, Inc. | 22.83 | 1.35 | 6.28% |
First Keystone Corporate Events
First Keystone boosts capital with new subordinated notes
PositiveOn September 30, 2026, First Keystone Corporation closed a private placement of $32.5 million in fixed-to-floating rate subordinated notes due September 30, 2036, sold at par to institutional investors and qualified institutional buyers. The notes ca...
First Keystone to Redeem Fixed-to-Floating Rate Notes
NeutralOn August 28, 2026, First Keystone Corporation announced it will redeem all of its outstanding 4.375% Fixed to Floating Rate Notes due December 31, 2030, with an aggregate principal amount of $25 million. The redemption is scheduled for September 30,...
First Keystone Maintains Steady Dividends Amid Strong Growth
PositiveOn August 27, 2026, First Keystone Corporation declared a third-quarter cash dividend of $0.28 per share, payable on September 30, 2026 to shareholders of record as of September 10. This brings total cash dividends to $0.84 per share year-to-date as...
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.
Date of analysis: Oct 01, 2026