First KeystoneFKYS 59 OCF Margin % is 20.55% as of Mar. 2026, which is 42% below its 10-year median of 35.44. GuruFocus rates FKYS with a GF Score™ of 59/100 and a GF Value™ of $18.16 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, First Keystone ranks better than 50.27% on this metric.
The historical rank and industry rank for First Keystone's OCF Margin % or its related term are showing as below:
FKYS'
s OCF Margin % Range Over the Past 10 Years
Min: -5.11 Med: 35.44 Max: 46.49
Current: 29.55
During the past 13 years, the highest OCF Margin % of First Keystone was 46.49%. The lowest was -5.11%. And the median was 35.44%.
FKYS's OCF Margin % is ranked better than 50.27% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs FKYS: 29.55
First Keystone OCF Margin % Related Terms
First Keystone OCF Margin % Historical Data
* Premium members only.
The historical data trend for First Keystone's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Keystone's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Keystone's OCF Margin % falls into.
* 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 OCF Margin % of 20.55% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Keystone and its competitors. This is 42% below median its historical median of 35.44. According to the industry distribution chart, First Keystone ranks #746 out of 1500 companies in the Banks industry, placing it in the top 49.7%.
Is First Keystone's OCF Margin % too high?
First Keystone's current OCF Margin % of 20.55% is 42% below median its 10-year median of 35.44. The Banks industry median OCF Margin % is 29.44. First Keystone's value of 20.55% is 30.2% below this industry median. Based on the distribution chart, First Keystone ranks #746 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, First Keystone has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Keystone's OCF Margin % compare to CNBP and WSBK?
According to the Banks industry distribution chart, First Keystone ranks #746 out of 1500 companies for OCF Margin %. This puts First Keystone in the upper half of its industry. The industry median OCF Margin % is 29.44. First Keystone's value of 20.55% is 30.2% below this benchmark. While the company's 10-year median is 35.44 vs. the industry median of 29.44, First Keystone has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Keystone's current OCF Margin % of 20.55% is 30.2% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Keystone and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Keystone's current OCF Margin % is 20.55%, which is 42% below median its own 10-year median of 35.44. 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 $18.19 — trading 0.2% above its estimated fair value. The current OCF Margin % is 20.55%, which is 42% below median its 10-year median of 35.44 and 30.2% below the Banks industry median of 29.44. First Keystone's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Keystone (FKYS), the current OCF Margin % is 20.55% as of Mar. 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 $18.19 is trading 0.2% above its estimated GF Value™ of $18.16.
GuruFocus considers First Keystone to be Fairly Valued.
Key valuation signals for FKYS:
OCF Margin %: 20.55% (42% below median its 10-year median of 35.44)
GF Value™: $18.16 vs. price of $18.19 (0.2% above fair value)
Industry Position: 30.2% below the Banks median (#746 of 1500)
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.
59GF Score
Get the complete analysis for FKYS
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FKYS has been successfully added to your 
