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First Keystone(OTC) FKYS

Market Cap$118.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+1,473%
5 Year+3%
1 Year+8%
1 Month+2%
$18.81
+1.68%
+0.31Today
First Keystone last closing stock price
MetricPriceDate
Last closeUSD 18.812026-07-31
First Keystone stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.13%USD 18.602026-07-24
1 month+1.95%USD 18.452026-07-01
3 month+0.58%USD 18.702026-05-01
Year to date-2.2%USD 19.232025-12-31
1 year+8.2%USD 17.382025-07-29
3 year+26.68%USD 14.852023-08-01
5 year+3.3%USD 18.212021-07-30
Since inception+1,473.32%USD 1.201995-12-11

First Keystone Financials at a Glance

Market Cap

$118.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$84.65M

Net Income (TTM)

$7.06M

EPS (TTM)

$1.13

P/E Ratio

16.60

Dividend

$1.12

Beta (Volatility)

0.12 (Low)

Price

$18.81

Volume

2,703

Open

$18.70

Previous Close

$18.81

Daily Range

$18.70 - $19.24

52-Week Range

$16.00 - $20.00

Estimated Earnings Date

Apr 27, 2026

FKYS News

No articles available.

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About First Keystone

First Keystone helps people and businesses in Pennsylvania manage money and access loans. Its services include checking accounts, savings, and mortgages for homes or businesses. Customers use these products to save, borrow, and plan for the future.

Money Matters: What First Keystone Offers

  • Deposit Accounts: Checking, savings, and time deposit accounts for individuals and businesses; main source of funding.
  • Real Estate Loans: Mortgages and home equity loans for homeowners; commercial property loans for businesses (90.2% of total loans).
  • Commercial Loans: Short-term loans and credit lines for equipment, inventory, and business needs (6.8% of total loans as of June 30, 2025).
  • Consumer Loans: Vehicle loans and loans secured by deposits or stocks; small share of total lending (0.7% as of June 30, 2025).
  • Trust and Agency Services: Investment management, estate planning, and pension plan services for individuals and organizations.

Branching Out: Growth Moves and Milestones

  • Replaced all ATMs and completed disaster recovery system upgrades between late 2024 and 2025.
  • Continued selling long-term fixed-rate mortgages to the secondary market in 2025.
  • Expanded digital banking and online services over recent years.
  • No major acquisitions or new market entries disclosed for 2024-2025.

Why First Keystone Stands Out

First Keystone focuses on Northeastern Pennsylvania, using local knowledge to serve its community. The company maintains a high ratio of earning assets, which means most assets generate income. Its conservative risk management and strong capital ratios help it weather economic changes.

Five Things You Need to Know

  • Revenue was $20 million in Q2 2025, up 6.0% year-over-year.
  • Net income was $3.97 million for the six months ended June 2025.
  • Real estate loans made up 90.2% of total loans as of June 2025.
  • Deposits totaled $1.06 billion as of June 30, 2025.
  • Non-performing assets were 0.34% of total assets in June 2025.

Bottom Line

First Keystone has grown by focusing on local banking and real estate lending. Its steady approach and strong capital base support long-term stability for customers and investors.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

210

CEO

Jack W. Jones

Website

firstkeystonecorp.fkc.bank

Headquarters

Berwick, PA 18603, US

FKYS Financials

Key Financial Metrics (TTM)

Gross Margin

47.39%

Operating Margin

1.22%

Net Income Margin

8.34%

Return on Equity

6.32%

Return on Capital

1.66%

Return on Assets

0.46%

Earnings Yield

6.02%

Dividend Yield

5.95%

Payout Ratio

79.40%

Stock Overview

Market Cap

$118.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.30M

Volume

2.70K

Avg. Volume

2.63K

Financials (TTM)

Gross Profit

$40.12M

Operating Income

$1.03M

EBITDA

$1.11M

Operating Cash Flow

$13.05M

Capital Expenditure

-$256.00K

Free Cash Flow

$12.79M

Cash & ST Invst.

$395.87M

Total Debt

$268.96M

First Keystone Performance Analysis

First Keystone annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 51,744,0004.8%
20232023-12-31USD 63,144,00022.0%
20242024-12-31USD 78,119,00023.7%
20252025-12-31USD 84,522,0008.2%
First Keystone sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.3%
Q32025-09-304.8%
Q42025-12-312.5%
Q12026-03-31-3.7%
First Keystone annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.35-5.6%
20232023-12-31USD 0.92-60.9%
20242024-12-31USD -2.14N/A
20252025-12-31USD 0.99N/A
First Keystone sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30176.5%
Q32025-09-30-4.3%
Q42025-12-31-122.2%
Q12026-03-31420.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$21.06M

+6.8%

Gross Profit

$11.33M

+10.2%

Gross Margin

53.83%

N/A

Market Cap

$118.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$563.96K

N/A

Employees

210

N/A

Net Income

$1.96M

+86.0%

EBITDA

$2.51M

+79.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$395.87M

-0.5%

Total Debt

$268.96M

-1.6%

Accounts Receivable

$4.84M

-4.4%

Inventory

$0.00

N/A

Long Term Debt

$132.70M

-0.2%

Short Term Debt

$136.25M

-2.9%

Return on Assets

0.46%

N/A

Return on Invested Capital

0.07%

N/A

Free Cash Flow

$2.11M

+1164.1%

Operating Cash Flow

$2.20M

+612.7%

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Questions About FKYS

What is the current price of First Keystone?

First Keystone is trading at $18.81 per share.

What is the 52-week range for First Keystone?

Over the past 52 weeks, First Keystone has traded between $16.00 and $20.00.

How much debt does First Keystone have?

As of the most recent reporting period, First Keystone reported total debt of $268.96M.

How much cash does First Keystone have on hand?

First Keystone does not have cash on hand data available.

What is First Keystone’s dividend yield?

First Keystone currently has a dividend yield of 5.95%.

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