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First KeystoneFKYS 57 5-Year Yield-on-Cost % is 6.30 as of Jul. 28, 2026, which is 23% above its 10-year median of 5.12. GuruFocus rates FKYS with a GF Score™ of 57/100 and a GF Value™ of $18.16 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,252 Banks companies, First Keystone ranks better than 74.44% on this metric.
First Keystone's yield on cost for the quarter that ended in Mar. 2026 was 6.30.
The historical rank and industry rank for First Keystone's 5-Year Yield-on-Cost % or its related term are showing as below:
FKYS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.84 Med: 5.12 Max: 10.27
Current: 6.3
During the past 13 years, First Keystone's highest Yield on Cost was 10.27. The lowest was 3.84. And the median was 5.12.
FKYS's 5-Year Yield-on-Cost % is ranked better than 74.44% of 1252
companies
in the Banks industry
Industry Median: 3.87
vs FKYS: 6.30
First Keystone (OTCPK:FKYS) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Keystone 5-Year Yield-on-Cost % Related Terms
FKYS vs BSBK, WSBK, JFBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Keystone's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Keystone's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Keystone's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of First Keystone is calculated as
First Keystone (FKYS) has a 5-Year Yield-on-Cost % of 6.30 as of Jul. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Keystone and its competitors. This is 23% above median its historical median of 5.12. Over the past decade, First Keystone's 5-Year Yield-on-Cost % has ranged from 3.84 to 10.27. According to the industry distribution chart, First Keystone ranks #320 out of 1252 companies in the Banks industry, placing it in the top 25.6%.
Is First Keystone's 5-Year Yield-on-Cost % too high?
First Keystone's current 5-Year Yield-on-Cost % of 6.30 is 23% above median its 10-year median of 5.12. Over the past 10 years, this metric has ranged from a low of 3.84 to a high of 10.27. The Banks industry median 5-Year Yield-on-Cost % is 3.87. First Keystone's value of 6.30 is 62.8% above this industry median. Based on the distribution chart, First Keystone ranks #320 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, First Keystone has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Keystone's 5-Year Yield-on-Cost % compare to BSBK and WSBK?
According to the Banks industry distribution chart, First Keystone ranks #320 out of 1252 companies for 5-Year Yield-on-Cost %. This puts First Keystone in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. First Keystone's value of 6.30 is 62.8% above this benchmark. Historically, First Keystone's own 5-Year Yield-on-Cost % has ranged from 3.84 to 10.27 over the past decade. While the company's 10-year median is 5.12 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Keystone's current 5-Year Yield-on-Cost % of 6.30 is 62.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Keystone and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Keystone's current 5-Year Yield-on-Cost % is 6.30, which is 23% above median its own 10-year median of 5.12. 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 $18.50 — trading 1.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.30, which is 23% above median its 10-year median of 5.12 and 62.8% above the Banks industry median of 3.87. First Keystone's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Keystone (FKYS), the current 5-Year Yield-on-Cost % is 6.30 as of Jul. 28, 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 $18.50 is trading 1.9% above its estimated GF Value™ of $18.16.
GuruFocus considers First Keystone to be Fairly Valued.
Key valuation signals for FKYS:
5-Year Yield-on-Cost %: 6.30 (23% above median its 10-year median of 5.12)
GF Value™: $18.16 vs. price of $18.50 (1.9% above fair value)
Industry Position: 62.8% above the Banks median (#320 of 1252)
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.
57GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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