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First KeystoneFKYS -0.05%54 EV-to-FCF is 16.82 as of Jul. 14, 2026, which is 26% below its 10-year median of 22.70. GuruFocus rates FKYS with a GF Score™ of 54/100 and a GF Value™ of $18.16 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,199 Banks companies, First Keystone ranks worse than 78.73% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Keystone's Enterprise Value is $215.14 Mil.
First Keystone's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $12.79 Mil. Therefore, First Keystone's EV-to-FCF for today is 16.82.
The historical rank and industry rank for First Keystone's EV-to-FCF or its related term are showing as below:
FKYS'
s EV-to-FCF Range Over the Past 10 Years
Min: -147.23 Med: 22.7 Max: 86.89
Current: 16.82
During the past 13 years, the highest EV-to-FCF of First Keystone was 86.89. The lowest was -147.23. And the median was 22.70.
FKYS's EV-to-FCF is ranked worse than 78.73% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs FKYS: 16.82
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Keystone's PE Ratio (TTM) for today is calculated as:
First Keystone's share price for today is $18.99.
First Keystone's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.130.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Keystone EV-to-FCF Related Terms
First Keystone EV-to-FCF Historical Data
* Premium members only.
The historical data trend for First Keystone's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Keystone's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Keystone EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Keystone's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Keystone's EV-to-FCF falls into.
First Keystone's current Enterprise Value is $215.14 Mil.
First Keystone's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.79 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Keystone (FKYS) has a EV-to-FCF of 16.82 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Keystone and its competitors. This is 26% below median its historical median of 22.70. According to the industry distribution chart, First Keystone ranks #944 out of 1199 companies in the Banks industry, placing it in the top 78.7%.
Is First Keystone's EV-to-FCF too high?
First Keystone's current EV-to-FCF of 16.82 is 26% below median its 10-year median of 22.70. The Banks industry median EV-to-FCF is 6.57. First Keystone's value of 16.82 is 156% above this industry median. Based on the distribution chart, First Keystone ranks #944 out of 1199 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Keystone has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Keystone's EV-to-FCF compare to CNBP and UNB?
According to the Banks industry distribution chart, First Keystone ranks #944 out of 1199 companies for EV-to-FCF. This places First Keystone in the lower half of its industry. The industry median EV-to-FCF is 6.57. First Keystone's value of 16.82 is 156% above this benchmark. While the company's 10-year median is 22.70 vs. the industry median of 6.57, First Keystone has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Keystone's current EV-to-FCF of 16.82 is 156% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Keystone and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Keystone's current EV-to-FCF is 16.82, which is 26% below median its own 10-year median of 22.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Keystone stock overvalued right now?
Based on GuruFocus' analysis, First Keystone (FKYS) is currently considered Fairly Valued. The stock's GF Value™ is $18.16, compared to a current price of $18.99 — trading 4.6% above its estimated fair value. The current EV-to-FCF is 16.82, which is 26% below median its 10-year median of 22.70 and 156% above the Banks industry median of 6.57. First Keystone's overall GF Score™ is 54/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Keystone (FKYS), the current EV-to-FCF is 16.82 as of Jul. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Keystone (FKYS) Overvalued in 2026?
Based on GuruFocus' analysis, First Keystone stock appears to be overvalued.
The current stock price of $18.99 is trading 4.6% above its estimated GF Value™ of $18.16.
GuruFocus considers First Keystone to be Fairly Valued.
Key valuation signals for FKYS:
EV-to-FCF: 16.82 (26% below median its 10-year median of 22.70)
GF Value™: $18.16 vs. price of $18.99 (4.6% above fair value)
Industry Position: 156% above the Banks median (#944 of 1199)
No single metric tells the full story. See the FKYS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Keystone Corp is a full-service commercial bank that provides a variety of services to individuals and small to medium-sized businesses in the Northeastern Pennsylvania area. The bank accepts time, demand, and savings deposits and offers both secured and unsecured loans for commercial, real estate, agricultural, and consumer needs. Additionally, the bank provides personal and corporate trust and agency services, which include trust investment accounts, investment advisory services, mutual funds, estate planning, and the management of pension and profit-sharing plans.
54GF Score
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