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Kish Bancorp
(OTC:KISB)
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Rating:67Neutral
Price Target:
$78.00
â–²(8.71% Upside)
Action:Reiterated
Date:09/06/26
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.
Positive Factors
Consistent Profitability
Consistently solid net margins and healthy operating profitability indicate that Kish Bancorp’s core banking model has produced durable earnings across the period. This profitability can support resilience, internal reinvestment, and shareholder returns over the next several quarters.
Negative Factors
Volatile Revenue Growth
The sharp variation in revenue growth, including a contraction in 2024, makes the growth profile less predictable than the company’s profitability. Uneven top-line performance can complicate planning, reduce operating leverage, and make future earnings expansion less consistent.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
Consistently solid net margins and healthy operating profitability indicate that Kish Bancorp’s core banking model has produced durable earnings across the period. This profitability can support resilience, internal reinvestment, and shareholder returns over the next several quarters.
Read all positive factors
Kish Bancorp (KISB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$217.94M
Dividend Yield2.28%
Average Volume (3M)253.00
Price to Earnings (P/E)10.3
Beta (1Y)0.09
Revenue Growth13.82%
EPS Growth33.82%
CountryUS
Employees125
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.07
Shares Outstanding3,035,792
10 Day Avg. Volume30
30 Day Avg. Volume253
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 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
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 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 colle...
Kish Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
56
Neutral
Cash Flow
61
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 113.54M | 119.04M | 60.45M | 84.77M | 59.30M | 50.95M |
| Gross Profit | 75.47M | 70.27M | 60.45M | 54.29M | 50.35M | 43.95M |
| EBITDA | 25.81M | 22.09M | 19.77M | 17.34M | 16.75M | 12.63M |
| Net Income | 21.29M | 18.13M | 14.52M | 13.50M | 12.86M | 9.88M |
Balance Sheet | ||||||
| Total Assets | 2.08B | 1.97B | 1.69B | 1.54B | 1.30B | 1.23B |
| Cash, Cash Equivalents and Short-Term Investments | 11.71M | 12.13M | 168.55M | 208.96M | 175.66M | 272.75M |
| Total Debt | 412.23M | 345.77M | 259.30M | 235.96M | 152.74M | 134.62M |
| Total Liabilities | 1.95B | 1.85B | 1.59B | 1.45B | 1.22B | 1.16B |
| Stockholders Equity | 132.78M | 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
Positive
71.75
Price Trends
71.40
Positive
65.79
Positive
54.96
Positive
Market Momentum
0.15
Positive
52.88
Neutral
57.35
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 71.75 is below the 20-day moving average (MA) of 71.84, above the 50-day MA of 71.40, and above the 200-day MA of 54.96, indicating a bullish trend. The MACD of 0.15 indicates Positive momentum. The RSI at 52.88 is Neutral, neither overbought nor oversold. The STOCH value of 57.35 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $92.47M | 11.02 | 9.10% | 4.07% | 4.58% | 26.05% | |
76 Outperform | $136.50M | 16.07 | 5.91% | 2.00% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $217.94M | 10.30 | 16.88% | 2.28% | 13.82% | 33.82% | |
56 Neutral | $99.14M | -25.75 | -1.08% | 2.45% | -7.07% | -307.72% |
* Financial Sector Average
KISB
Kish Bancorp
72.84
36.62
101.08%
AUBN
Auburn National Bancorporation
26.68
2.97
12.54%
LSBK
Lake Shore Bancorp
18.59
5.86
46.04%
PBHC
Pathfinder Bancorp
16.71
2.06
14.09%
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.