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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.28
FKYS's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 0.28 )
FKYS' s 10-Year Cash to Debt Range
Min: 0.07   Max: 0.42
Current: 0.28

0.07
0.42
Equity to Asset 0.11
FKYS's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 0.11 )
FKYS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.11

0.09
0.13
Interest Coverage 2.56
FKYS's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 2.56 )
FKYS' s 10-Year Interest Coverage Range
Min: 0.42   Max: 2.56
Current: 2.56

0.42
2.56
F-Score: 5
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 37.38
FKYS's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 37.38 )
FKYS' s 10-Year Operating margin (%) Range
Min: 34.83   Max: 51.09
Current: 37.38

34.83
51.09
Net-margin (%) 30.32
FKYS's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 30.32 )
FKYS' s 10-Year Net-margin (%) Range
Min: 28.75   Max: 41.51
Current: 30.32

28.75
41.51
ROE (%) 10.66
FKYS's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 10.66 )
FKYS' s 10-Year ROE (%) Range
Min: 8.64   Max: 17.55
Current: 10.66

8.64
17.55
ROA (%) 1.14
FKYS's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.14 )
FKYS' s 10-Year ROA (%) Range
Min: 0.9   Max: 1.74
Current: 1.14

0.9
1.74
ROC (Joel Greenblatt) (%) 21.42
FKYS's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 21.42 )
FKYS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 16.39   Max: 177
Current: 21.42

16.39
177
Revenue Growth (%) 2.60
FKYS's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 2.60 )
FKYS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 13.5
Current: 2.6

0
13.5
EBITDA Growth (%) 3.80
FKYS's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 3.80 )
FKYS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 191.1
Current: 3.8

0
191.1
EPS Growth (%) 4.30
FKYS's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 4.30 )
FKYS' s 10-Year EPS Growth (%) Range
Min: -4.9   Max: 12.3
Current: 4.3

-4.9
12.3
» FKYS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.20
FKYS's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 13.20 )
FKYS' s 10-Year P/E(ttm) Range
Min: 9.94   Max: 16.96
Current: 13.2

9.94
16.96
P/B 1.40
FKYS's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.40 )
FKYS' s 10-Year P/B Range
Min: 1   Max: 2.19
Current: 1.4

1
2.19
P/S 4.00
FKYS's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 4.00 )
FKYS' s 10-Year P/S Range
Min: 2.9   Max: 10
Current: 4

2.9
10
PFCF 15.40
FKYS's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 15.40 )
FKYS' s 10-Year PFCF Range
Min: 6.05   Max: 260
Current: 15.4

6.05
260
EV-to-EBIT 19.60
FKYS's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 19.60 )
FKYS' s 10-Year EV-to-EBIT Range
Min: 13.4   Max: 47.7
Current: 19.6

13.4
47.7
PEG 1.80
FKYS's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.80 )
FKYS' s 10-Year PEG Range
Min: 0.65   Max: 8.91
Current: 1.8

0.65
8.91
Shiller P/E 14.10
FKYS's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 14.10 )
FKYS' s 10-Year Shiller P/E Range
Min: 9.13   Max: 16.49
Current: 14.1

9.13
16.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.20
FKYS's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 4.20 )
FKYS' s 10-Year Dividend Yield Range
Min: 2.56   Max: 6.36
Current: 4.2

2.56
6.36
Dividend Payout 0.56
FKYS's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 0.56 )
FKYS' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.67
Current: 0.56

0.1
0.67
Dividend growth (3y) 3.80
FKYS's Dividend growth (3y) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 3.80 )
FKYS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 73.7
Current: 3.8

0
73.7
Yield on cost (5-Year) 4.94
FKYS's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 4.94 )
FKYS' s 10-Year Yield on cost (5-Year) Range
Min: 3.01   Max: 7.48
Current: 4.94

3.01
7.48
Share Buyback Rate -0.30
FKYS's Share Buyback Rate is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: -0.30 )
FKYS' s 10-Year Share Buyback Rate Range
Min: 1.2   Max: -5.9
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
FKYS's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.80 )
FKYS' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 2.82
Current: 1.8

0.87
2.82
Price/DCF (Projected) 0.90
FKYS's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 0.90 )
FKYS' s 10-Year Price/DCF (Projected) Range
Min: 0.65   Max: 0.95
Current: 0.9

0.65
0.95
Price/Median PS Value 1.00
FKYS's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.00 )
FKYS' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 1.42
Current: 1

0.74
1.42
Price/Peter Lynch Fair Value 1.50
FKYS's Price/Peter Lynch Fair Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.50 )
FKYS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.65   Max: 2.35
Current: 1.5

0.65
2.35
Price/Graham Number 1.00
FKYS's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 1.00 )
FKYS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.56
Current: 1

0.5
1.56
Earnings Yield (Greenblatt) 5.10
FKYS's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 5.10 )
FKYS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 7.4
Current: 5.1

2.1
7.4
Forward Rate of Return (Yacktman) 12.57
FKYS's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FKYS: 12.57 )
FKYS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 29
Current: 12.57

0.7
29

Business Description

Industry: »
Compare: » details
First Keystone Corporation is a Pennsylvania business corporation, and a bank holding company, which was incorporated on July 6, 1983, and commenced operations on July 2, 1984, upon consummation of the acquisition of all of the outstanding stock of First Keystone National Bank. The Corporation has one wholly owned subsidiary, the Bank, which has a commercial banking operation and trust department as its major lines of business. The Bank was organized in 1864. The Bank is a national banking association that is a member of the Federal Reserve System. Its deposits are insured by the Federal Deposit Insurance Corporation to the maximum extent of the law regulated by The Office of the Comptroller of the Currency. The Bank has approximately sixteen branch locations, of which, more than five branches within Columbia County, six branches within Luzerne County, one branch in Montour County, and four branches within Monroe County, Pennsylvania. It is a full service commercial bank providing services to individuals and small to medium sized businesses in its Northeastern Pennsylvania market area. The Bank's commercial banking activities include accepting time, demand, and savings deposits and making secured and unsecured commercial, real estate and consumer loans. Additionally, the Bank also provides personal and corporate trust and agency services to individuals, corporations, and others, including trust investment accounts, investment advisory services, mutual funds, estate planning, and management of pension and profit sharing plans. The Bank competes actively with other area commercial banks and savings and loan associations, as well as with major regional banking and financial institutions. The Bank's major competitors in Columbia, Luzerne, Montour, and Monroe counties are: First Columbia Bank & Trust Co. of Bloomsburg; PNC Bank, N.A.; M & T Bank; FNB Bank, NA; Wachovia Bank; Sovereign Bank; Citizens Bank; ESSA Bank & Trust; First National Community Bank; North Penn Bank and Wayne Bank. Credit unions are also competitors, especially in Luzerne and Montour counties. The Corporation, mainly through the Bank, is subject to federal and state regulation and supervision.
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