FKYS (First Keystone) Moat Score: 2/10 (As of Jul. 04, 2026)


FKYS First Keystone Corp FKYS
51 GF Score
Price $18.49
GF Value $18.16
Valuation Fairly Valued
! 7 Warning Signs
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What is First Keystone Moat Score?

First Keystone FKYS +0.22% 51 Moat Score is 2 as of Jul. 04, 2026. GuruFocus rates FKYS with a GF Score™ of 51/100 and a GF Value™ of $18.16 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, First Keystone ranks better than 59.84% on this metric.

First Keystone has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

First Keystone has No Moat: First Keystone Corp has transient advantages with limited market leadership and customer loyalty. The company does not possess significant regulatory barriers or a superior distribution network to establish a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Keystone might have No Moat - Very weak/transient advantages.

First Keystone  (OTCPK:FKYS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Keystone Moat Score Related Terms

FKYS vs CNBP, UNB, UNIB: Moat Score Comparison

For the Banks - Regional subindustry, First Keystone's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Keystone's Moat Score distribution charts can be found below:

* The bar in red indicates where First Keystone's Moat Score falls into.


FKYS
51GF Score
First Keystone Corp FKYS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
First Keystone (FKYS) has a Moat Score of 2 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Keystone ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is First Keystone's Moat Score too high?
First Keystone's current Moat Score is 2. Based on the distribution chart, First Keystone ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, First Keystone has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Keystone's Moat Score compare to CNBP and UNB?
According to the Banks industry distribution chart, First Keystone ranks #647 out of 1611 companies for Moat Score. This puts First Keystone in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Keystone's current Moat Score is 2. 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 $18.49 — trading 1.8% above its estimated fair value. The current Moat Score is 2. First Keystone's overall GF Score™ is 51/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Keystone (FKYS), the current Moat Score is 2 as of Jul. 04, 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 $18.49 is trading 1.8% above its estimated GF Value™ of $18.16. GuruFocus considers First Keystone to be Fairly Valued.

Key valuation signals for FKYS:

  • Moat Score: 2
  • GF Value™: $18.16 vs. price of $18.49 (1.8% above fair value)
  • GF Score™: 51/100 with 7 warning signs

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 Business Description

Address 111 West Front Street, Berwick, PA, USA, 18603
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.
51GF Score

Get the complete analysis for FKYS

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.49
Price
$18.16
GF Value