First Keystone (FKYS) AI Stock Analysis

• Market Cap: $118.39M
• Dividend Yield: 6.26%
• Average Volume (3M): 1.15K
• Price to Earnings (P/E): 20.0
• Beta (1Y): 0.07
• Revenue Growth: 10.31%
• EPS Growth: N/A
• Country: US
• Employees: 206
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.10
• Shares Outstanding: 6,272,135
• 10 Day Avg. Volume: 1,412
• 30 Day Avg. Volume: 1,151
• PEG Ratio: -0.14
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 1.48
• P/FCF Ratio: 11.36
• Enterprise Value/Market Cap: 3.21
• Enterprise Value/Revenue: 4.56
• Enterprise Value/Gross Profit: 9.73
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $20.00 ▲(2.56% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is anchored by uneven financial performance despite a 2025 rebound (profitability restored and leverage improved, but volatility and weak cash-flow-to-debt coverage persist). Valuation is a key positive (low P/E and high dividend yield), while technical indicators are mixed with soft momentum. A recent dividend-maintenance update adds modest support.

Positive Factors

Profitability Rebound

Restoring profitability in 2025 materially strengthens the bank's capacity to retain earnings, fund loan growth and sustain its dividend. A sustained return to positive net income improves internal capital generation and reduces reliance on external funding over the medium term.

Negative Factors

2025 Revenue Decline

A revenue decline amid mixed historical growth reduces predictability of core earnings. Persistent top-line weakness can pressure margins and limit the bank's ability to scale operating leverage, complicating medium-term planning and growth funding.

First Keystone Business Overview & Revenue Model

Company Description

First Keystone Corporation operates as the bank holding company for First Keystone Community Bank that provides various banking and related financial services to individual, business, government, and public and institutional customers in Northeast...

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First Keystone Corporation operates as the bank holding company for First Keystone Community Bank that provides various banking and related financial services to individual, business, government, and public and institutional customers in Northeast...

How the Company Makes Money

FKYS makes money primarily through the operations of First Keystone Community Bank. Key revenue streams typically include: (1) net interest income—earned from interest and fees on loans and securities minus interest paid on deposits and other fund...

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FKYS makes money primarily through the operations of First Keystone Community Bank. Key revenue streams typically include: (1) net interest income—earned from interest and fees on loans and securities minus interest paid on deposits and other fund...

First Keystone Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	83.31M	77.12M	62.00M	50.84M	48.28M
Gross Profit	39.06M	36.33M	34.34M	42.20M	42.27M
EBITDA	7.64M	-12.30M	7.04M	17.37M	18.05M
Net Income	6.15M	-13.20M	5.56M	14.02M	14.69M
Balance Sheet
Total Assets	1.53B	1.43B	1.42B	1.33B	1.32B
Cash, Cash Equivalents and Short-Term Investments	402.98M	407.54M	409.98M	384.18M	499.50M
Total Debt	269.71M	267.35M	302.44M	205.45M	88.88M
Total Liabilities	1.42B	1.32B	1.29B	1.21B	1.17B
Stockholders Equity	113.06M	106.78M	121.61M	120.39M	148.56M
Cash Flow
Free Cash Flow	10.85M	6.44M	4.25M	14.64M	14.76M
Operating Cash Flow	11.16M	8.17M	5.91M	16.53M	15.26M
Investing Cash Flow	4.91M	-33.16M	-76.83M	-93.63M	-111.34M
Financing Cash Flow	87.92M	25.23M	77.20M	26.51M	133.25M

First Keystone Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 19.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FKYS, the sentiment is Neutral. The current price of 19.5 is above the 20-day moving average (MA) of 18.98, above the 50-day MA of 19.08, and above the 200-day MA of 17.63, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 45.70 is Neutral, neither overbought nor oversold. The STOCH value of 60.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FKYS.

First Keystone Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$114.27M	8.58	9.18%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PROV	65 Neutral	$109.46M	17.90	5.14%	3.50%	0.99%	-16.23%
LSBK	63 Neutral	$121.60M	15.00	6.26%	2.12%	2.27%	66.15%
FKYS	60 Neutral	$118.39M	20.04	5.60%	6.26%	10.31%	―
RVSB	60 Neutral	$115.57M	18.92	2.98%	1.51%	8.77%	369.81%
UNB	60 Neutral	$110.37M	9.78	14.80%	6.08%	14.52%	27.90%

First Keystone Corporate Events