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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.06
FKYS's Cash to Debt is ranked lower than
53% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FKYS: 0.06 )
FKYS' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.06

Equity to Asset 0.12
FKYS's Equity to Asset is ranked higher than
83% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FKYS: 0.12 )
FKYS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.12

0.09
0.13
Interest Coverage 2.56
FKYS's Interest Coverage is ranked higher than
80% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 2
Z-Score: 0.29
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 (%) 33.95
FKYS's Operating margin (%) is ranked higher than
82% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FKYS: 33.95 )
FKYS' s 10-Year Operating margin (%) Range
Min: -267.49   Max: 51.09
Current: 33.95

-267.49
51.09
Net-margin (%) 27.56
FKYS's Net-margin (%) is ranked higher than
85% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FKYS: 27.56 )
FKYS' s 10-Year Net-margin (%) Range
Min: 28.75   Max: 293.64
Current: 27.56

28.75
293.64
ROE (%) 9.15
FKYS's ROE (%) is ranked higher than
78% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FKYS: 9.15 )
FKYS' s 10-Year ROE (%) Range
Min: 9.86   Max: 16.34
Current: 9.15

9.86
16.34
ROA (%) 1.03
FKYS's ROA (%) is ranked higher than
83% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FKYS: 1.03 )
FKYS' s 10-Year ROA (%) Range
Min: 1.02   Max: 1.83
Current: 1.03

1.02
1.83
ROC (Joel Greenblatt) (%) 15.31
FKYS's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FKYS: 15.31 )
FKYS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -238.33   Max: 126.67
Current: 15.31

-238.33
126.67
Revenue Growth (%) 2.60
FKYS's Revenue Growth (%) is ranked higher than
80% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FKYS: 2.60 )
FKYS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 106.1
Current: 2.6

0
106.1
EBITDA Growth (%) 3.80
FKYS's EBITDA Growth (%) is ranked higher than
70% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FKYS: 3.80 )
FKYS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 12.9
Current: 3.8

0
12.9
EPS Growth (%) 4.30
FKYS's EPS Growth (%) is ranked higher than
70% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

Insider Trades

Latest Guru Trades with FKYS

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Ratios

vs
industry
vs
history
P/E(ttm) 14.70
FKYS's P/E(ttm) is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FKYS: 14.70 )
FKYS' s 10-Year P/E(ttm) Range
Min: 9.94   Max: 16.96
Current: 14.7

9.94
16.96
P/B 1.31
FKYS's P/B is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FKYS: 1.31 )
FKYS' s 10-Year P/B Range
Min: 1   Max: 2.19
Current: 1.31

1
2.19
P/S 4.07
FKYS's P/S is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FKYS: 4.07 )
FKYS' s 10-Year P/S Range
Min: 2.9   Max: 10
Current: 4.07

2.9
10
PFCF 34.51
FKYS's PFCF is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FKYS: 34.51 )
FKYS' s 10-Year PFCF Range
Min: 6.05   Max: 260
Current: 34.51

6.05
260
EV-to-EBIT 23.89
FKYS's EV-to-EBIT is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FKYS: 23.89 )
FKYS' s 10-Year EV-to-EBIT Range
Min: 13.4   Max: 47.7
Current: 23.89

13.4
47.7
PEG 1.97
FKYS's PEG is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FKYS: 1.97 )
FKYS' s 10-Year PEG Range
Min: 0.6   Max: 19.49
Current: 1.97

0.6
19.49
Shiller P/E 13.64
FKYS's Shiller P/E is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FKYS: 13.64 )
FKYS' s 10-Year Shiller P/E Range
Min: 9.13   Max: 16.49
Current: 13.64

9.13
16.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.29
FKYS's Dividend Yield is ranked higher than
84% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FKYS: 4.29 )
FKYS' s 10-Year Dividend Yield Range
Min: 2.47   Max: 6.36
Current: 4.29

2.47
6.36
Dividend Payout 0.63
FKYS's Dividend Payout is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FKYS: 0.63 )
FKYS' s 10-Year Dividend Payout Range
Min: 0.35   Max: 0.83
Current: 0.63

0.35
0.83
Dividend growth (3y) 3.80
FKYS's Dividend growth (3y) is ranked higher than
75% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 5.06
FKYS's Yield on cost (5-Year) is ranked higher than
80% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FKYS: 5.06 )
FKYS' s 10-Year Yield on cost (5-Year) Range
Min: 2.91   Max: 7.48
Current: 5.06

2.91
7.48
Share Buyback Rate -0.30
FKYS's Share Buyback Rate is ranked higher than
83% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.60
FKYS's Price/Tangible Book is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FKYS: 1.60 )
FKYS' s 10-Year Price/Tangible Book Range
Min: 1.05   Max: 2.16
Current: 1.6

1.05
2.16
Price/DCF (Projected) 0.91
FKYS's Price/DCF (Projected) is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FKYS: 0.91 )
FKYS' s 10-Year Price/DCF (Projected) Range
Min: 0.54   Max: 0.97
Current: 0.91

0.54
0.97
Price/Median PS Value 1.00
FKYS's Price/Median PS Value is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FKYS: 1.00 )
FKYS' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 4.26
Current: 1

0.72
4.26
Price/Peter Lynch Fair Value 2.93
FKYS's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FKYS: 2.93 )
FKYS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.64   Max: 2.87
Current: 2.93

0.64
2.87
Price/Graham Number 1.03
FKYS's Price/Graham Number is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FKYS: 1.03 )
FKYS' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.96
Current: 1.03

0.6
1.96
Earnings Yield (Greenblatt) 4.20
FKYS's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FKYS: 4.20 )
FKYS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 7.4
Current: 4.2

2.1
7.4
Forward Rate of Return (Yacktman) 10.60
FKYS's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FKYS: 10.60 )
FKYS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.1   Max: 33.5
Current: 10.6

-5.1
33.5

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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 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.
» More Articles for FKYS

Headlines

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FIRST KEYSTONE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 04 2014
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First Keystone Corporation Announces Second Quarter and Year-to-Date 2014 Earnings Jul 31 2014
FIRST KEYSTONE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 30 2014
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