FKYS
First Keystone Corporation
Price Chart
Latest Quote
$17.88
+0.00 (+0.00%)
Current Price
| Previous Close | $17.88 |
| Open | $17.75 |
| Day High | $17.92 |
| Day Low | $17.50 |
| Volume | 750 |
Stock Information
| Quarterly Dividend / Yield | $1.12 / 6.26% |
| Shares Outstanding | 6.27M |
| Quarterly Dividend Yield | 6.26% |
| Quarterly Dividend | $1.12 |
| Total Debt | $271.44M |
| Cash Equivalents | $136.84M |
| Revenue | $41.81M |
| Net Income | $7.06M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $112.15M |
| P/E Ratio | 15.82 |
| EPS (TTM) | $1.13 |
| Exchange | OID |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $247.18M |
| Sales | $41.81M |
| Income | $7.06M |
| Book/sh | $18.13 |
| Cash/sh | $21.82 |
| Employees | 197 |
Financial Ratios
| EPS Growth TTM | 86.00% |
Returns & Margins
| ROA | 0.48% |
| ROE | 6.40% |
| Operating Margin | 21.92% |
| Profit Margin | 16.88% |
Ownership
| Insider Ownership | 11.38% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | -0.30 |
| P/S | 2.68 |
| P/B | 0.99 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $17.73 |
| SMA50 | $18.30 |
| SMA200 | $17.64 |
| RSI | 56.05 |
| ATR | 0.3318 |
| Shares Float | 5.58M |
| Volatility | 0.32 |
Performance History
| Week | -0.67% |
| Month | -3.53% |
| Quarter | -4.39% |
| 6 Months | +4.81% |
| YTD | -7.04% |
| Year | +23.71% |
| 3 Years | +23.30% |
| 5 Years | +4.46% |
| 10 Years | +15.39% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $17.88 | 0 |
| 2026-06-17 | $17.88 | 0 |
| 2026-06-16 | $17.88 | 3,700 |
| 2026-06-15 | $17.95 | 7,800 |
| 2026-06-12 | $18.00 | 0 |
| 2026-06-11 | $18.00 | 500 |
| 2026-06-10 | $17.52 | 1,900 |
| 2026-06-09 | $17.51 | 2,000 |
| 2026-06-08 | $17.70 | 3,400 |
| 2026-06-05 | $17.72 | 1,000 |
| 2026-06-04 | $17.72 | 2,300 |
| 2026-06-03 | $17.45 | 1,100 |
| 2026-06-02 | $17.46 | 0 |
| 2026-06-01 | $17.46 | 17,000 |
| 2026-05-29 | $17.72 | 3,600 |
| 2026-05-28 | $17.71 | 2,400 |
| 2026-05-27 | $17.70 | 500 |
| 2026-05-26 | $17.57 | 3,500 |
| 2026-05-22 | $17.65 | 33,400 |
| 2026-05-21 | $18.20 | 200 |
| 2026-05-20 | $18.20 | 3,500 |
| 2026-05-19 | $18.53 | 1,300 |
About First Keystone Corporation
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 Northeastern Pennsylvania market area. The company accepts non-interest bearing and interest-bearing demand accounts; checking, savings, and money market accounts; time deposits and certificates of deposits; and individual retirement accounts. It also offers commercial and industrial loans, which include short-term loans and lines of credit to finance machinery and equipment, inventory, and accounts receivable; commercial real estate loans secured primarily by commercial retail space, commercial office buildings, residential housing, and hotels; residential real estate loans, such as one-to-four family residential mortgage loans, home equity term loans, and home equity lines of credit; and consumer loans, including vehicle loans, stock secured loans, and loans secured by financial institution deposits, as well as agricultural loans, and state and political subdivisions loans. In addition, the company provides trust and agency services that include trust investment accounts, investment advisory services, mutual funds, estate planning, and management of pension and profit-sharing plans to individuals, corporations, and others. Further, it offers debit and credit cards, and safe deposit boxes, as well as operates full-service offices and automated teller machines located in Columbia, Luzerne, Montour, Monroe, and Northampton counties. First Keystone Corporation was founded in 1864 and is headquartered in Berwick, Pennsylvania.
Period:
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $37,973,000 | $34,126,000 | $41,932,000 | $43,132,000 |
| Operating Revenue | $37,973,000 | $34,126,000 | $41,932,000 | $43,132,000 |
| Expenses | ||||
| Interest Expense | $39,143,000 | $27,872,000 | $8,913,000 | $5,148,000 |
| Selling And Marketing Expense | $560,000 | $528,000 | $389,000 | $407,000 |
| General And Administrative Expense | $18,325,000 | $16,758,000 | $15,044,000 | $14,571,000 |
| Professional Expense And Contract Services Expense | $1,617,000 | $1,440,000 | $1,270,000 | $1,050,000 |
| Other Non Interest Expense | $5,601,000 | $5,046,000 | $5,152,000 | $5,560,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Net Interest Income | $31,294,000 | $28,391,000 | $37,181,000 | $36,742,000 |
| Interest Income | $70,437,000 | $56,263,000 | $46,094,000 | $41,890,000 |
| Normalized Income | $5,872,601 | $5,560,000 | $14,024,000 | $14,688,000 |
| Net Income From Continuing And Discontinued Operation | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Net Income Common Stockholders | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Net Income | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Net Income Including Noncontrolling Interests | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Net Income Continuous Operations | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Pretax Income | $-13,248,000 | $6,244,000 | $16,318,000 | $17,009,000 |
| Special Income Charges | $-19,133,000 | $0 | - | - |
| Per Share | ||||
| Diluted EPS | $-2.14 | $0.91 | $2.35 | $2.49 |
| Basic EPS | $-2.14 | $0.91 | $2.35 | $2.49 |
| Other | ||||
| Tax Effect Of Unusual Items | $-57,399 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-19,133,000 | $0 | - | - |
| Total Unusual Items Excluding Goodwill | $-19,133,000 | $0 | - | - |
| Reconciled Depreciation | $946,000 | $798,000 | $1,056,000 | $1,038,000 |
| Diluted Average Shares | $6,170,000 | $6,054,000 | $5,974,000 | $5,908,000 |
| Basic Average Shares | $6,170,000 | $6,054,000 | $5,974,000 | $5,908,000 |
| Diluted NI Availto Com Stockholders | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Tax Provision | $-45,000 | $684,000 | $2,294,000 | $2,321,000 |
| Impairment Of Capital Assets | $19,133,000 | $0 | - | - |
| Gain On Sale Of Security | $105,000 | $-118,000 | $-846,000 | $323,000 |
| Selling General And Administration | $18,885,000 | $17,286,000 | $15,433,000 | $14,978,000 |
| Insurance And Claims | $1,097,000 | $703,000 | $490,000 | $423,000 |
| Salaries And Wages | $17,228,000 | $16,055,000 | $14,554,000 | $14,148,000 |
| Occupancy And Equipment | $4,345,000 | $4,327,000 | $4,023,000 | $3,675,000 |
| Other Gand A | - | - | - | $1,200,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $106,782,000 | $102,482,000 | $101,253,000 | $129,422,000 |
| Total Assets | $1,428,583,000 | $1,415,870,000 | $1,329,194,000 | $1,320,350,000 |
| Goodwill And Other Intangible Assets | $0 | $19,133,000 | $19,133,000 | $19,133,000 |
| Receivables | $4,993,000 | $5,201,000 | $4,391,000 | $4,361,000 |
| Accounts Receivable | $4,993,000 | $5,201,000 | $4,391,000 | $4,361,000 |
| Cash And Cash Equivalents | $17,254,000 | $17,013,000 | $10,738,000 | $61,585,000 |
| Cash Financial | $9,933,000 | $9,462,000 | $9,441,000 | $9,600,000 |
| Cash Cash Equivalents And Federal Funds Sold | $26,238,000 | $27,898,000 | $17,874,000 | $63,504,000 |
| Debt | ||||
| Net Debt | $215,240,000 | $263,746,000 | $172,312,000 | - |
| Total Debt | $234,414,000 | $282,735,000 | $185,079,000 | $61,499,000 |
| Long Term Debt And Capital Lease Obligation | $132,920,000 | $148,976,000 | $52,029,000 | $61,499,000 |
| Long Term Debt | $131,000,000 | $147,000,000 | $50,000,000 | $60,000,000 |
| Current Debt And Capital Lease Obligation | $101,494,000 | $133,759,000 | $133,050,000 | $0 |
| Current Debt | $101,494,000 | $133,759,000 | $133,050,000 | $0 |
| Other Current Borrowings | $101,494,000 | $133,759,000 | $133,050,000 | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,321,801,000 | $1,294,255,000 | $1,208,808,000 | $1,171,795,000 |
| Payables And Accrued Expenses | $2,152,000 | $2,823,000 | $563,000 | $251,000 |
| Payables | $2,152,000 | $2,823,000 | $563,000 | $251,000 |
| Accounts Payable | $2,152,000 | $2,823,000 | $563,000 | $251,000 |
| Non Current Deferred Liabilities | - | - | - | $631,000 |
| Non Current Deferred Taxes Liabilities | - | - | - | $631,000 |
| Equity | ||||
| Common Stock Equity | $106,782,000 | $121,615,000 | $120,386,000 | $148,555,000 |
| Total Equity Gross Minority Interest | $106,782,000 | $121,615,000 | $120,386,000 | $148,555,000 |
| Stockholders Equity | $106,782,000 | $121,615,000 | $120,386,000 | $148,555,000 |
| Gains Losses Not Affecting Retained Earnings | $-25,630,000 | $-29,645,000 | $-29,558,000 | $7,588,000 |
| Other Equity Adjustments | $-25,630,000 | $-29,645,000 | $-29,558,000 | $7,588,000 |
| Retained Earnings | $80,148,000 | $100,260,000 | $100,712,000 | $93,378,000 |
| Long Term Equity Investment | - | $5,961,000 | $3,763,000 | $1,530,000 |
| Other | ||||
| Treasury Shares Number | $231,611 | $231,611 | $231,611 | $231,612 |
| Ordinary Shares Number | $6,218,781 | $6,091,161 | $6,019,152 | $5,947,223 |
| Share Issued | $6,450,392 | $6,322,772 | $6,250,763 | $6,178,835 |
| Tangible Book Value | $106,782,000 | $102,482,000 | $101,253,000 | $129,422,000 |
| Invested Capital | $339,276,000 | $402,374,000 | $303,436,000 | $208,555,000 |
| Capital Lease Obligations | $1,920,000 | $1,976,000 | $2,029,000 | $1,499,000 |
| Total Capitalization | $237,782,000 | $268,615,000 | $170,386,000 | $208,555,000 |
| Treasury Stock | $5,709,000 | $5,709,000 | $5,709,000 | $5,709,000 |
| Additional Paid In Capital | $45,072,000 | $44,004,000 | $42,439,000 | $40,940,000 |
| Capital Stock | $12,901,000 | $12,705,000 | $12,502,000 | $12,358,000 |
| Common Stock | $12,901,000 | $12,705,000 | $12,502,000 | $12,358,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $1,920,000 | $1,976,000 | $2,029,000 | $1,499,000 |
| Investments And Advances | $397,027,000 | $400,411,000 | $378,906,000 | $441,408,000 |
| Available For Sale Securities | $387,132,000 | $7,443,000 | $5,462,000 | $3,492,000 |
| Goodwill | $0 | $19,133,000 | $19,133,000 | $19,133,000 |
| Net PPE | $21,672,000 | $21,083,000 | $20,565,000 | $19,183,000 |
| Accumulated Depreciation | $-15,674,000 | $-16,020,000 | $-15,106,000 | $-14,739,000 |
| Gross PPE | $37,346,000 | $37,103,000 | $35,671,000 | $33,922,000 |
| Leases | $347,000 | $338,000 | $335,000 | $193,000 |
| Other Properties | $9,755,000 | $9,824,000 | $9,478,000 | $9,056,000 |
| Buildings And Improvements | $23,500,000 | $23,197,000 | $22,114,000 | $20,929,000 |
| Land And Improvements | $3,744,000 | $3,744,000 | $3,744,000 | $3,744,000 |
| Other Short Term Investments | $9,895,000 | $392,968,000 | $373,444,000 | $437,916,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $6,440,000 | $4,249,000 | $16,271,000 | $14,763,000 |
| Operating Activities | ||||
| Operating Cash Flow | $8,168,000 | $5,905,000 | $18,163,000 | $15,255,000 |
| Cash Flow From Continuing Operating Activities | $8,168,000 | $5,905,000 | $18,163,000 | $15,255,000 |
| Operating Gains Losses | $-171,000 | $72,000 | $869,000 | $-1,299,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,728,000 | $-1,656,000 | $-1,892,000 | $-492,000 |
| Investing Cash Flow | $-33,158,000 | $-76,833,000 | $-93,634,000 | $-111,345,000 |
| Cash Flow From Continuing Investing Activities | $-33,158,000 | $-76,833,000 | $-93,634,000 | $-111,345,000 |
| Net Other Investing Changes | $1,901,000 | $-3,749,000 | $-5,217,000 | $356,000 |
| Financing Activities | ||||
| Financing Cash Flow | $25,231,000 | $77,203,000 | $24,871,000 | $133,248,000 |
| Cash Flow From Continuing Financing Activities | $25,231,000 | $77,203,000 | $24,871,000 | $133,248,000 |
| Cash Dividends Paid | $-5,168,000 | $-6,780,000 | $-6,690,000 | $-6,617,000 |
| Common Stock Dividend Paid | $-5,168,000 | $-6,780,000 | $-6,690,000 | $-6,617,000 |
| Issuance Of Capital Stock | - | - | $1,635,000 | $1,511,000 |
| Net Common Stock Issuance | - | - | $1,635,000 | $1,511,000 |
| Common Stock Issuance | - | - | $1,635,000 | $1,511,000 |
| Other | ||||
| Repayment Of Debt | $-20,000,000 | $-3,007,000 | $-10,010,000 | $-10,010,000 |
| Issuance Of Debt | $4,000,000 | $100,000,000 | $0 | $0 |
| Interest Paid Supplemental Data | $40,663,000 | $25,612,000 | $8,601,000 | $5,302,000 |
| End Cash Position | $17,254,000 | $17,013,000 | $10,738,000 | $61,338,000 |
| Beginning Cash Position | $17,013,000 | $10,738,000 | $61,338,000 | $24,180,000 |
| Changes In Cash | $241,000 | $6,275,000 | $-50,600,000 | $37,158,000 |
| Net Issuance Payments Of Debt | $-35,042,000 | $97,043,000 | $116,031,000 | $-2,127,000 |
| Net Short Term Debt Issuance | $-19,042,000 | $50,000 | $126,041,000 | $7,883,000 |
| Net Long Term Debt Issuance | $-16,000,000 | $96,993,000 | $-10,010,000 | $-10,010,000 |
| Long Term Debt Payments | $-20,000,000 | $-3,007,000 | $-10,010,000 | $-10,010,000 |
| Long Term Debt Issuance | $4,000,000 | $100,000,000 | $0 | $0 |
| Net Investment Purchase And Sale | $4,409,000 | $-18,948,000 | $16,837,000 | $-81,249,000 |
| Sale Of Investment | $69,878,000 | $64,930,000 | $110,788,000 | $55,324,000 |
| Purchase Of Investment | $-65,469,000 | $-83,878,000 | $-93,951,000 | $-136,573,000 |
| Net PPE Purchase And Sale | $-1,728,000 | $-1,656,000 | $-1,892,000 | $-492,000 |
| Purchase Of PPE | $-1,728,000 | $-1,656,000 | $-1,892,000 | $-492,000 |
| Change In Working Capital | $-1,295,000 | $-3,318,000 | $369,000 | $-1,220,000 |
| Change In Other Current Liabilities | $-20,000 | $-5,429,000 | $429,000 | $305,000 |
| Change In Other Current Assets | $-812,000 | $661,000 | $-342,000 | $-1,554,000 |
| Change In Payables And Accrued Expense | $-671,000 | $2,260,000 | $312,000 | $-154,000 |
| Change In Payable | $-671,000 | $2,260,000 | $312,000 | $-154,000 |
| Change In Account Payable | $-671,000 | $2,260,000 | $312,000 | $-154,000 |
| Change In Receivables | $208,000 | $-810,000 | $-30,000 | $183,000 |
| Changes In Account Receivables | $208,000 | $-810,000 | $-30,000 | $183,000 |
| Other Non Cash Items | $968,000 | $1,287,000 | $-905,000 | $-1,631,000 |
| Asset Impairment Charge | $19,133,000 | $0 | - | - |
| Deferred Tax | $-59,000 | $253,000 | $114,000 | $-111,000 |
| Deferred Income Tax | $-59,000 | $253,000 | $114,000 | $-111,000 |
| Depreciation Amortization Depletion | $946,000 | $798,000 | $1,056,000 | $1,038,000 |
| Depreciation And Amortization | $946,000 | $798,000 | $1,056,000 | $1,038,000 |
| Gain Loss On Investment Securities | $-105,000 | $118,000 | $846,000 | $-323,000 |
| Gain Loss On Sale Of PPE | $14,000 | $19,000 | $16,000 | $4,000 |
| Net Income From Continuing Operations | $-13,203,000 | $5,560,000 | $14,024,000 | $14,688,000 |
| Income Tax Paid Supplemental Data | - | $318,000 | $2,289,000 | $2,489,000 |
Fetched: 2026-02-02