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Kish Bancorp (KISB) AI Stock Analysis
Kish Bancorp
(Other OTC:KISB)
The score is driven primarily by solid underlying profitability and generally supportive (though uneven) cash flow, offset by balance-sheet leverage variability and volatile revenue growth. Technicals are neutral-to-constructive, and valuation is a relative positive due to the low P/E and moderate dividend yield.
Kish Bancorp (KISB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $214.46M
- Dividend Yield
- 2.38%
- Average Volume (3M)
- 1,607
- Price to Earnings (P/E)
- 9.5
- Beta (1Y)
- 0.17
- Revenue Growth
- 13.08%
- EPS Growth
- 33.23%
- Country
- US
- Employees
- 125
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 diverse d...
How the Company Makes Money
Kish Bancorp makes money primarily through its bank subsidiary by earning (1) net interest income and (2) noninterest income, while managing (3) credit costs and (4) operating expenses. 1) Net interest income (core revenue stream): The bank collects...
Kish Bancorp Financial Statement Overview
Summary
Income statement profitability is consistently solid (mid-teens to mid-20s net margins), but revenue growth is volatile (including a contraction in 2024). Balance sheet risk is tempered by meaningful leverage swings across years, and cash flow quality is generally supportive of earnings but with uneven cash conversion and periods of weak operating cash flow relative to revenue.
Income Statement
72PositiveBalance Sheet
56NeutralCash Flow
61Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 129.90M | 119.04M | 60.45M | 84.77M | 59.30M | 50.95M |
| Gross Profit | 78.49M | 70.27M | 60.45M | 54.29M | 50.35M | 43.95M |
| EBITDA | 27.27M | 22.09M | 19.77M | 17.34M | 16.95M | 13.18M |
| Net Income | 22.52M | 18.13M | 14.52M | 13.50M | 12.86M | 9.88M |
Balance Sheet | ||||||
| Total Assets | 2.10B | 1.97B | 1.69B | 1.54B | 1.30B | 1.23B |
| Cash, Cash Equivalents and Short-Term Investments | 14.76M | 12.13M | 168.55M | 208.96M | 175.66M | 272.75M |
| Total Debt | 361.08M | 345.77M | 259.30M | 235.96M | 152.74M | 134.62M |
| Total Liabilities | 1.97B | 1.85B | 1.59B | 1.45B | 1.22B | 1.16B |
| Stockholders Equity | 133.35M | 124.16M | 106.11M | 92.77M | 71.97M | 77.10M |
Cash Flow | ||||||
| Free Cash Flow | 18.90M | 18.90M | 13.16M | 13.42M | 13.22M | 14.02M |
| Operating Cash Flow | 21.50M | 21.50M | 15.03M | 16.55M | 16.19M | 16.93M |
| Investing Cash Flow | -279.95M | -279.95M | -160.98M | -232.68M | -149.78M | -175.46M |
| Financing Cash Flow | 258.75M | 258.75M | 133.44M | 225.76M | 59.93M | 122.62M |
Kish Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KISB, the sentiment is Neutral. The current price of 70.44 is above the 20-day moving average (MA) of 70.26, below the 50-day MA of 70.91, and above the 200-day MA of 60.46, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 48.27 is Neutral, neither overbought nor oversold. The STOCH value of 54.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KISB.
Kish Bancorp Peers Comparison
Overall Rating
AUBN77Outperform
LSBK75Outperform- KISB67Neutral
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AUBN | 77Outperform | $90.59M | 10.44 | 9.42% | 4.15% | -1.64% | 21.56% |
| 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% |
| KISB | 67Neutral | $213.86M | 9.48 | 17.36% | 2.38% | 13.08% | 33.23% |
| PBHC | 58Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KISB | Kish Bancorp | 70.44 | 30.91 | 78.21% | |
| AUBN | Auburn National Bancorporation | 26.00 | 1.56 | 6.40% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| PBHC | Pathfinder | 17.00 | 2.32 | 15.77% |
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: Sep 06, 2026