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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.25
FKYS's Cash to Debt is ranked lower than
84% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. FKYS: 0.25 )
Ranked among companies with meaningful Cash to Debt only.
FKYS' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.13 Max: N/A
Current: 0.25
Equity to Asset 0.12
FKYS's Equity to Asset is ranked higher than
69% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FKYS: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FKYS' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.13
Current: 0.12
0.09
0.13
Interest Coverage 1.94
FKYS's Interest Coverage is ranked higher than
54% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FKYS: 1.94 )
Ranked among companies with meaningful Interest Coverage only.
FKYS' s Interest Coverage Range Over the Past 10 Years
Min: 0.42  Med: 1.11 Max: 2.88
Current: 1.94
0.42
2.88
F-Score: 3
M-Score: -2.57
WACC vs ROIC
2.69%
3.62%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 30.36
FKYS's Operating margin (%) is ranked lower than
51% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. FKYS: 30.36 )
Ranked among companies with meaningful Operating margin (%) only.
FKYS' s Operating margin (%) Range Over the Past 10 Years
Min: 30.36  Med: 37.09 Max: 42.42
Current: 30.36
30.36
42.42
Net-margin (%) 25.94
FKYS's Net-margin (%) is ranked higher than
61% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. FKYS: 25.94 )
Ranked among companies with meaningful Net-margin (%) only.
FKYS' s Net-margin (%) Range Over the Past 10 Years
Min: 25.94  Med: 30.19 Max: 35.59
Current: 25.94
25.94
35.59
ROE (%) 7.63
FKYS's ROE (%) is ranked lower than
56% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. FKYS: 7.63 )
Ranked among companies with meaningful ROE (%) only.
FKYS' s ROE (%) Range Over the Past 10 Years
Min: 7.63  Med: 10.57 Max: 11.7
Current: 7.63
7.63
11.7
ROA (%) 0.88
FKYS's ROA (%) is ranked higher than
50% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FKYS: 0.88 )
Ranked among companies with meaningful ROA (%) only.
FKYS' s ROA (%) Range Over the Past 10 Years
Min: 0.88  Med: 1.14 Max: 1.24
Current: 0.88
0.88
1.24
Revenue Growth (3Y)(%) -0.60
FKYS's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FKYS: -0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FKYS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.6  Med: 8.9 Max: 106.7
Current: -0.6
-2.6
106.7
EBITDA Growth (3Y)(%) -2.70
FKYS's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FKYS: -2.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FKYS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.2  Med: 2.95 Max: 12.9
Current: -2.7
-6.2
12.9
EPS Growth (3Y)(%) -4.10
FKYS's EPS Growth (3Y)(%) is ranked lower than
76% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FKYS: -4.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FKYS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.9  Med: 4.8 Max: 12.2
Current: -4.1
-4.9
12.2
» FKYS's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:AMEX:EVBN, OTCPK:IALB, NAS:CHMG, NAS:FGBI, NAS:PMBC, NAS:NWFL, NAS:BCBP, OTCBB:FMAO, OTCPK:FVCB, NAS:ESXB, NAS:CFFI, OTCPK:FNBG, NAS:INBK, NAS:TCFC, NAS:CFNB, NAS:CUBN, NYSE:MSL, OTCPK:BERK, NAS:ISTR, NAS:UNTY » details
First Keystone Corp is a bank holding company, which through its subsidiary; First Keystone National Bank provides a range of services to individuals and small to medium sized businesses in its Northeastern and Central Pennsylvania market area.

First Keystone Corp 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 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 regional banking and financial institutions. The Bank's 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.

Ratios

vs
industry
vs
history
P/E(ttm) 17.32
FKYS's P/E(ttm) is ranked lower than
64% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. FKYS: 17.32 )
Ranked among companies with meaningful P/E(ttm) only.
FKYS' s P/E(ttm) Range Over the Past 10 Years
Min: 9.94  Med: 13.1 Max: 17.48
Current: 17.32
9.94
17.48
PE(NRI) 17.32
FKYS's PE(NRI) is ranked lower than
64% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. FKYS: 17.32 )
Ranked among companies with meaningful PE(NRI) only.
FKYS' s PE(NRI) Range Over the Past 10 Years
Min: 9.94  Med: 13.1 Max: 17.48
Current: 17.32
9.94
17.48
Price/Owner Earnings (ttm) 21.89
FKYS's Price/Owner Earnings (ttm) is ranked lower than
76% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. FKYS: 21.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FKYS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.57  Med: 14.84 Max: 35.1
Current: 21.89
7.57
35.1
P/B 1.28
FKYS's P/B is ranked lower than
60% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FKYS: 1.28 )
Ranked among companies with meaningful P/B only.
FKYS' s P/B Range Over the Past 10 Years
Min: 1  Med: 1.3 Max: 1.81
Current: 1.28
1
1.81
P/S 4.48
FKYS's P/S is ranked lower than
72% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FKYS: 4.48 )
Ranked among companies with meaningful P/S only.
FKYS' s P/S Range Over the Past 10 Years
Min: 2.89  Med: 4.01 Max: 9.99
Current: 4.48
2.89
9.99
PFCF 13.84
FKYS's PFCF is ranked lower than
56% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. FKYS: 13.84 )
Ranked among companies with meaningful PFCF only.
FKYS' s PFCF Range Over the Past 10 Years
Min: 6.05  Med: 15.18 Max: 262.63
Current: 13.84
6.05
262.63
POCF 13.17
FKYS's POCF is ranked lower than
60% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FKYS: 13.17 )
Ranked among companies with meaningful POCF only.
FKYS' s POCF Range Over the Past 10 Years
Min: 5.59  Med: 13.74 Max: 485.29
Current: 13.17
5.59
485.29
EV-to-EBIT 21.93
FKYS's EV-to-EBIT is ranked lower than
76% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. FKYS: 21.93 )
Ranked among companies with meaningful EV-to-EBIT only.
FKYS' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.4  Med: 20.2 Max: 47.7
Current: 21.93
13.4
47.7
EV-to-EBITDA 19.31
FKYS's EV-to-EBITDA is ranked lower than
76% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. FKYS: 19.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
FKYS' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.3  Med: 18.1 Max: 43.4
Current: 19.31
12.3
43.4
PEG 34.20
FKYS's PEG is ranked lower than
97% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. FKYS: 34.20 )
Ranked among companies with meaningful PEG only.
FKYS' s PEG Range Over the Past 10 Years
Min: 0.71  Med: 1.66 Max: 34.2
Current: 34.2
0.71
34.2
Shiller P/E 15.05
FKYS's Shiller P/E is ranked higher than
72% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. FKYS: 15.05 )
Ranked among companies with meaningful Shiller P/E only.
FKYS' s Shiller P/E Range Over the Past 10 Years
Min: 8.14  Med: 14.16 Max: 16.16
Current: 15.05
8.14
16.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.08
FKYS's Dividend Yield is ranked higher than
70% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FKYS: 4.08 )
Ranked among companies with meaningful Dividend Yield only.
FKYS' s Dividend Yield Range Over the Past 10 Years
Min: 2.96  Med: 4.53 Max: 6.36
Current: 4.08
2.96
6.36
Dividend Payout 0.71
FKYS's Dividend Payout is ranked lower than
90% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FKYS: 0.71 )
Ranked among companies with meaningful Dividend Payout only.
FKYS' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.55 Max: 0.84
Current: 0.71
0.09
0.84
Dividend Growth (3y) 2.30
FKYS's Dividend Growth (3y) is ranked lower than
71% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. FKYS: 2.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FKYS' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1.9  Med: 8 Max: 45.6
Current: 2.3
1.9
45.6
Forward Dividend Yield 4.08
FKYS's Forward Dividend Yield is ranked higher than
68% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FKYS: 4.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.71
FKYS's Yield on cost (5-Year) is ranked higher than
64% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FKYS: 4.71 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FKYS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.41  Med: 5.23 Max: 7.34
Current: 4.71
3.41
7.34
3-Year Average Share Buyback Ratio -0.80
FKYS's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FKYS: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FKYS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.4  Med: 0.4 Max: 1.1
Current: -0.8
-6.4
1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
FKYS's Price/Tangible Book is ranked lower than
65% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FKYS: 1.54 )
Ranked among companies with meaningful Price/Tangible Book only.
FKYS' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.05  Med: 1.64 Max: 2.16
Current: 1.54
1.05
2.16
Price/Projected FCF 0.84
FKYS's Price/Projected FCF is ranked lower than
59% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FKYS: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
FKYS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.42  Med: 0.83 Max: 1.01
Current: 0.84
0.42
1.01
Price/DCF (Earnings Based) 1.62
FKYS's Price/DCF (Earnings Based) is ranked lower than
88% of the 106 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.73 vs. FKYS: 1.62 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.12
FKYS's Price/Median PS Value is ranked higher than
51% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FKYS: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
FKYS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 1.03 Max: 4.33
Current: 1.12
0.73
4.33
Price/Graham Number 1.09
FKYS's Price/Graham Number is ranked lower than
61% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. FKYS: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
FKYS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.97 Max: 1.24
Current: 1.09
0.54
1.24
Earnings Yield (Greenblatt) (%) 4.56
FKYS's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FKYS: 4.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FKYS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 5 Max: 7.4
Current: 4.56
2.1
7.4
Forward Rate of Return (Yacktman) (%) 3.14
FKYS's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. FKYS: 3.14 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FKYS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.2  Med: 10.5 Max: 19.8
Current: 3.14
-3.2
19.8

More Statistics

Revenue (TTM) (Mil) $33.23
EPS (TTM) $ 1.53
Beta0.03
Short Percentage of Float0.00%
52-Week Range $23.80 - 27.80
Shares Outstanding (Mil)5.66
» More Articles for FKYS

Headlines

Articles On GuruFocus.com

More From Other Websites
FIRST KEYSTONE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 23 2016
First Keystone Corporation Announces Fourth Quarter Dividend Nov 23 2016
First Keystone Corporation Announces Fourth Quarter Dividend Nov 23 2016
FIRST KEYSTONE CORP Financials Nov 16 2016
FIRST KEYSTONE CORP Files SEC form 10-Q, Quarterly Report Nov 08 2016
First Keystone posts 3Q profit Nov 01 2016
First Keystone posts 3Q profit Nov 01 2016
FIRST KEYSTONE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 01 2016
First Keystone Announces Third Quarter and Year-to-Date 2016 Earnings Nov 01 2016
First Keystone Announces Third Quarter and Year-to-Date 2016 Earnings Nov 01 2016
First Keystone Corp. : FKYS-US: Dividend Analysis : September 15th, 2016 (record date) : By the... Oct 21 2016
First Keystone Corp.: Strong price momentum but will it sustain? Sep 26 2016
First Keystone Corporation Announces Third Quarter Dividend Aug 25 2016
FIRST KEYSTONE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 25 2016
First Keystone Corporation Announces Third Quarter Dividend Aug 25 2016
First Keystone Corp. :FKYS-US: Earnings Analysis: Q2, 2016 By the Numbers : August 19, 2016 Aug 19 2016
FIRST KEYSTONE CORP Files SEC form 8-K, Change in Directors or Principal Officers Aug 09 2016
FIRST KEYSTONE CORP Files SEC form 10-Q, Quarterly Report Aug 08 2016
FIRST KEYSTONE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 01 2016
First Keystone Corporation Announces Second Quarter and Year-to-Date 2016 Earnings Jul 29 2016

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