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%
First Keystone statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | First Keystone | Industry median |
|---|---|---|
| Market Cap | $122.28M | $679.86M |
| Enterprise Value | $69.92M | $408.94M |
| PE Ratio | 15.35 | 11.99 |
| PS Ratio | 2.63 | 3.59 |
| PB Ratio | 1.03 | 1.18 |
| P/TBV Ratio | 1.03 | 1.41 |
| P/FCF Ratio | 12.13 | 10.89 |
| P/OCF Ratio | 11.82 | 10.01 |
Enterprise value
| Measure | First Keystone | Industry median |
|---|---|---|
| EV / Sales | 1.50 | 2.76 |
| EV / FCF | 6.93 | 8.23 |
Income (trailing twelve months)
| Measure | First Keystone | Industry median |
|---|---|---|
| Revenue | $46.55M | $170.85M |
| Pretax Income | $8.44M | $70.12M |
| Net Income | $7.92M | $54.33M |
| EPS (Diluted) | $1.26 | $2.91 |
Margins
| Measure | First Keystone | Industry median |
|---|---|---|
| Pretax Margin | 18.1% | 36.5% |
| Profit Margin | 17.0% | 29.1% |
| FCF Margin | 21.7% | 33.2% |
Returns
| Measure | First Keystone | Industry median |
|---|---|---|
| Return on Equity (ROE) | 7.01% | 10.6% |
| Return on Assets (ROA) | 0.53% | 1.12% |
Growth
| Measure | First Keystone | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 9.87% | 11.8% |
| Net Income Growth (YoY) | 2.06% | 23.2% |
| EPS Growth (YoY) | 0.00% | 23.1% |
| FCF Growth (YoY) | 21.8% | 28.5% |
| Revenue Growth (3Y CAGR) | 1.64% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.78% | 6.17% |
| EPS Growth (3Y CAGR) | -25.0% | 1.31% |
| EPS Growth (5Y CAGR) | -13.4% | 8.24% |
Balance sheet
| Measure | First Keystone | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $187.96M | $205.54M |
| Total Debt | $135.60M | $177.19M |
| Net Cash (Debt) | $52.36M | $164.40M |
| Net Cash Per Share | $8.28 | $8.13 |
| Equity (Book Value) | $118.46M | $563.88M |
| Book Value Per Share | $18.74 | $28.47 |
| Tangible Book Value | $118.46M | $475.36M |
Financial position
| Measure | First Keystone | Industry median |
|---|---|---|
| Debt / Equity | 1.14 | 0.20 |
| Debt / FCF | 13.45 | 1.81 |
Cash flow (trailing twelve months)
| Measure | First Keystone | Industry median |
|---|---|---|
| Operating Cash Flow | $10.34M | $61.52M |
| Capital Expenditures | -$260.00K | -$4.08M |
| Free Cash Flow | $10.08M | $52.15M |
| FCF Per Share | $1.59 | $3.05 |
Efficiency
| Measure | First Keystone | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $236.28K | $353.78K |
| Profits Per Employee | $40.21K | $107.28K |
| Employee Count | 197 | 489 |
Dividends and yields
| Measure | First Keystone | Industry median |
|---|---|---|
| Earnings Yield | 6.48% | 8.13% |
| FCF Yield | 8.25% | 8.91% |
| Dividend Yield | 5.79% | 2.48% |
| Shareholder Yield | 5.79% | 3.13% |
| Dividend Per Share | $1.12 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
Shares
| Measure | First Keystone | Industry median |
|---|---|---|
| Shares Outstanding | 6,322,400 | 18,839,100 |
| Shares Change (YoY) | 0.78% | 0.40% |
| Shares Change (QoQ) | 0.42% | 0.00% |
| Float | 5,800,420 | 17,061,900 |
| Shares Held by Insiders | 8.26% | 5.89% |
Taxes
| Measure | First Keystone | Industry median |
|---|---|---|
| Income Tax | $519.00K | $14.50M |
| Effective Tax Rate | 6.15% | 21.1% |
Scores
| Measure | First Keystone | Industry median |
|---|---|---|
| Graham Number | $23.05 | $45.31 |
| Graham Upside | 19.2% | 21.9% |
| Altman Z-Score | 0.15 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from First Keystone's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.