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First Keystone
(OTC:FKYS)
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Rating:64Neutral
Price Target:
$20.00
â–²(7.24% Upside)
Action:Reiterated
Date:08/28/26
The score is driven primarily by improving financial health (return to profitability, better leverage, and positive cash generation), supported by attractive shareholder returns (high dividend yield) and positive corporate updates around dividends and growth. Technicals are more neutral than bullish, with mixed momentum signals and price hovering around key moving averages, keeping the overall score in the mid-range.
Positive Factors
Deposit and asset growth
Strong deposit gathering expands the bank’s funding base and supports future lending capacity. Asset growth also indicates continued relevance in its local markets, although the quality and cost of those deposits will determine how much growth converts into sustainable earnings.
Negative Factors
Loan contraction
Shrinking loans while deposits expand suggests the bank is not fully converting funding growth into earning assets. Persisting loan softness could constrain net interest income, reduce operating leverage, and weaken its ability to benefit from continued market expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit and asset growth
Strong deposit gathering expands the bank’s funding base and supports future lending capacity. Asset growth also indicates continued relevance in its local markets, although the quality and cost of those deposits will determine how much growth converts into sustainable earnings.
Read all positive factors
First Keystone (FKYS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$119.18M
Dividend Yield5.91%
Average Volume (3M)2.03K
Price to Earnings (P/E)14.8
Beta (1Y)0.06
Revenue Growth7.11%
EPS Growth1.20%
CountryUS
Employees204
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.28
Shares Outstanding6,322,401
10 Day Avg. Volume2,716
30 Day Avg. Volume2,033
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
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 ...
First Keystone Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
60
Neutral
| 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
Positive
18.65
Price Trends
18.81
Positive
18.51
Positive
18.31
Positive
Market Momentum
0.02
Positive
52.31
Neutral
88.13
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 18.65 is below the 20-day moving average (MA) of 18.95, below the 50-day MA of 18.81, and above the 200-day MA of 18.31, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 52.31 is Neutral, neither overbought nor oversold. The STOCH value of 88.13 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $135.32M | 15.55 | 5.91% | 2.09% | 5.96% | 49.37% | |
75 Outperform | $124.78M | 10.27 | 9.59% | 1.81% | 7.51% | 20.96% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $114.63M | 17.99 | 5.23% | 3.25% | -0.79% | 11.59% | |
64 Neutral | $119.18M | 14.80 | 6.92% | 6.05% | 7.11% | 1.20% | |
56 Neutral | $117.56M | 9.14 | 14.72% | 5.81% | 10.15% | 28.62% | |
54 Neutral | $103.56M | -27.46 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
FKYS
First Keystone
18.97
2.76
17.03%
LSBK
Lake Shore Bancorp
17.38
4.49
34.89%
MGYR
Magyar Bancorp
19.80
2.87
16.92%
PROV
Provident Financial Holdings
18.70
3.72
24.79%
RVSB
Riverview Bancorp
5.32
0.36
7.17%
UNB
Union Bankshares
23.78
-0.62
-2.53%
First Keystone Corporate Events
DividendsFinancial Disclosures
First Keystone Maintains Steady Dividends Amid Strong Growth
Positive
Aug 27, 2026
On 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 ...
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...
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.