FKYSOTCState Commercial BanksFiscal year ends December 31
FIRST KEYSTONE CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$19.34−0.13 (-0.67%)
Close on Oct 19, 2026
- Market cap
- $121.78M
- P/E (TTM)
- 15.3
- Dividend yield
- 5.79%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
13.7%−16.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +15.4% | +1.6% | +2.8% | +2.7% | |
| Net income | – | -24.0% | -12.3% | -3.9% | |
| EPS, diluted | – | -25.0% | -13.4% | -4.9% | |
| Free cash flow | +56.9% | -12.6% | – | +1.1% | |
| Dividend per share | 0.0% | 0.0% | +0.7% | +0.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.7% | 8.7% | 5.6% | |
| Return on assets | 1.0% | 1.1% | 0.4% | |
| Debt to equity | 1.41 | – | – | |
| Capex to revenue | 1.1% | 0.8% | 0.7% | |
| Diluted shares | 6M | 6M | 6M |
Where the cash went
Fiscal 2021 to 2025, five years combined
First Keystone generated $59.13M from operations and spent $31.34M on capital expenditure, dividends and share buybacks. 19% of that went back into the business.
Generated
$59.13M
Used
$31.34M
Capital expenditure$6.08M19%Dividends$25.26M81%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin13.7%
×Asset turnover0.03×
×Equity multiplier13.46×
=Return on equity, FY20255.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 13.7% | 0.03× | 13.46× | 5.6% |
| FY2024 | -33.9% | 0.03× | 12.45× | -11.6% |
| FY2023 | 15.8% | 0.03× | 11.34× | 4.6% |
| FY2022 | 32.7% | 0.03× | 9.85× | 10.4% |
| FY2021 | 33.2% | 0.04× | 8.54× | 10.0% |
| FY2020 | 30.2% | 0.04× | 8.01× | 8.7% |
| FY2019 | 29.0% | 0.03× | 8.22× | 8.3% |
| FY2018 | 28.3% | 0.03× | 8.58× | 7.9% |
| FY2017 | 27.1% | 0.03× | 8.72× | 7.6% |
| FY2016 | 28.1% | 0.03× | 9.02× | 8.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$6.15M
- Cash generatingOperating cash flow above zero$11.16M
- Return on assets improvedROA up on the prior year-0.9% → 0.4%
- Earnings backed by cashOperating cash flow above net income$11.16M vs $6.15M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise6M → 6M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03