OTC · Banks - Regional

First Keystone Corporation (FKYS) Stock

$18.70 -1.58% OTC: FKYS Financial Services

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 public and institutional clients across the Northeastern Pennsylvania market.

Valuation

MetricValue
Price$18.70
Market Cap$117.29M
P/E Ratio16.40
P/B Ratio1.02
P/S Ratio1.39
EPS (TTM)$1.14
52-Week High$20.00
52-Week Low$16.00
Dividend Yield5.99%

Financials & Margins

MetricValue
ROE6.32%
ROA0.46%
ROCE0.07%
Gross Margin47.39%
Operating Margin1.22%
Net Margin8.34%
Debt/Equity2.36
Current Ratio0.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$48.0M$51.0M$62.0M$77.0M$83.0M
Operating Profit$17.0M$16.0M$6.0M$-13.0M$6.0M
Net Profit$15.0M$14.0M$6.0M$-13.0M$6.0M
EPS$2.49$2.35$0.92$-2.15$0.99
Op Margin35.2%32.1%10.1%-17.2%7.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.3B$1.3B$1.4B$1.4B$1.5B
Total Liabilities$1.2B$1.2B$1.3B$1.3B$1.4B
Cash$62.0M$11.0M$17.0M$17.0M$9.0M
Borrowings$89.0M$205.0M$302.0M$267.0M$270.0M

Latest News

First Keystone: Q1 Earnings Snapshot Associated Press · May 8, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$15.0M$17.0M$6.0M$8.0M$11.0M
Investing Cash Flow$-112.0M$-96.0M$-78.0M$-35.0M$4.0M
Financing Cash Flow$140.0M$-84.0M$-13.0M$65.0M$92.0M
Net Cash Flow$37.0M$-51.0M$6.0M$0$104.0M
Free Cash Flow$15.0M$15.0M$4.0M$6.0M$11.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.17
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y7.56%
Return 3Y28.95%
Return 5Y4.79%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMBKAmerican Bank Incorporated $22.43 +3.22% 9.35 $142.14M 2.85%
CHBHCroghan Bancshares, Inc. $61.51 +0.00% 9.55 $123.92M 3.97%
CWBKCW Bancorp $43.99 +0.00% 10.11 $128.90M 2.09%
DIMCDimeco, Inc. $56.00 +0.00% 7.84 $142.43M 3.21%
FMBMF & M Bank Corp. $39.89 +0.00% 11.84 $141.97M 2.61%

About First Keystone Corporation

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 public and institutional clients across the Northeastern Pennsylvania market. The bank facilitates various deposit accounts, including demand deposits (both interest and non-interest bearing), money market accounts, savings accounts, and certificates of deposit. Its loan portfolio encompasses commercial and industrial financing, featuring short-term loans and credit lines to support machinery, equipment, inventory, and accounts receivable. Furthermore, the company provides commercial real estate loans, typically secured by retail properties, office buildings, residential complexes, and hotels. Residential real estate lending includes mortgages for one-to-four family homes, home equity term loans, and home equity lines of credit. Consumer lending options cover vehicle loans, stock-secured loans, and loans guaranteed by financial institution deposits. In addition to core banking, First Keystone furnishes trust and agency services, which involve managing trust investment accounts, offering investment advisory, mutual fund access, estate planning, and administering pension and profit-sharing plans. Internet banking services are also available. Founded in 1864 and headquartered in Berwick, Pennsylvania, the corporation operates through 18 full-service branches, one dedicated loan production office, and a network of 20 automated teller machines.

First Keystone Corporation is headquartered in US.

First Keystone Corporation (FKYS) stock trades at $18.70 with a market capitalization of $117.29M. The stock is valued at a price-to-earnings (P/E) ratio of 16.40, price-to-book of 1.02, price-to-sales of 1.39. Over the past 52 weeks the stock has ranged between $16.00 and $20.00, and currently trades 6.5% below its 52-week high. It pays a dividend yielding 5.99%.

On profitability, First Keystone Corporation generates a return on equity (ROE) of 6.32%, return on capital employed of 0.07%, an operating margin of 1.22%, a net profit margin of 8.34%.

Official website: www.fkc.bank

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