First Keystone Corp (FKYS) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of First Keystone Corp $14.70, price $18.52, upside -20.6%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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First Keystone Corp
FKYS · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $9.87 – $20.69 · fair‑value band $11.02 – $18.37 · the $18.52 price screens above the $14.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
First Keystone Corporation operates as the bank holding company for First Keystone Community Bank that provides various banking and related financial services to individual, business, government, and public and institutional customers in Northeastern Pennsylvania market area.
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First Keystone Corporation operates as the bank holding company for First Keystone Community Bank that provides various banking and related financial services to individual, business, government, and public and institutional customers in Northeastern Pennsylvania market area. The company accepts non-interest bearing and interest-bearing demand accounts; checking, savings, and money market accounts; time deposits and certificates of deposits; and individual retirement accounts. It also offers commercial and industrial loans, which include short-term loans and lines of credit to finance machinery and equipment, inventory, and accounts receivable; commercial real estate loans secured primarily by commercial retail space, commercial office buildings, residential housing, and hotels; residential real estate loans, such as one-to-four family residential mortgage loans, home equity term loans, and home equity lines of credit; and consumer loans, including vehicle loans, stock secured loans, and loans secured by financial institution deposits, as well as agricultural loans, and state and political subdivisions loans. In addition, the company provides trust and agency services that include trust investment accounts, investment advisory services, mutual funds, estate planning, and management of pension and profit-sharing plans to individuals, corporations, and others. Further, it offers debit and credit cards, and safe deposit boxes, as well as operates full-service offices and automated teller machines located in Columbia, Luzerne, Montour, Monroe, and Northampton counties. First Keystone Corporation was founded in 1864 and is headquartered in Berwick, Pennsylvania.
Stock analysis
First Keystone Corp (FKYS) currently trades at $18.52, while our model-based Fair Value estimate is $14.70, implying the stock looks roughly 26.0% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $12.75 per share, and 0 of the 4 models we run sit above the $18.52 price.
Bear case: the Asset-Based group reads lowest at $12.08, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $11.02 (bear) to $18.37 (bull), the price of $18.52 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
First Keystone Corp reported revenue of $83.3M in FY2025 versus $48.3M in FY2021, a compound +14.6%/yr. Reported net income was $6.2M in FY2025, compounding −19.6%/yr from FY2021.
Key figures
Market cap $115M · P/E ratio 16.4 · P/S ratio 1.21 · EPS (TTM) $1.13 · Dividend yield 6.0% · Net margin 7.4% · Return on equity 6.4% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −21%, FKYS screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 70
Revenue & earnings trend
Growth Forecast
FKYS screens 26% overvalued. Compare with DBS Group →
Compare First Keystone Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of First Keystone Corp
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