First Keystone Corporation (FKYS)
Financial Services · OID
Fundamentals
Valuation and ratings
First Keystone Corporation trades at USD18.60, which is 125% below the USD41.80 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 31 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 16.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
FKYS dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.560 | 2 |
| 2025 | USD1.12 | 4 |
| 2024 | USD1.12 | 4 |
| 2023 | USD1.12 | 4 |
| 2022 | USD1.12 | 4 |
| 2021 | USD1.12 | 4 |
| 2020 | USD1.08 | 4 |
| 2019 | USD1.08 | 4 |
| 2018 | USD1.08 | 4 |
| 2017 | USD1.08 | 4 |
| 2016 | USD0.810 | 3 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
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.
FKYS passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is First Keystone Corporation (FKYS) undervalued?
Against our discounted cash flow estimate of USD41.80, FKYS at USD18.60 is 125% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is FKYS's P/E ratio?
FKYS trades at 16.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does First Keystone Corporation (FKYS) pay a dividend?
Yes. First Keystone Corporation yields 5.89% at the current share price. It has paid USD1.12 per share over the trailing twelve months. It has paid a dividend in each of the last 25 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.