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First Keystone Corporation (FKYS) Fair Value & Analysis

Financial Services · US · Market cap $112M

Price$18.19
Fair Value$12.75
Upside-29.9%
Quality95/100
Evidence: High Range $9.56 – $15.94

Fair value as of: Jun 26, 2026

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Analysis

First Keystone Corporation (FKYS) currently trades at $18.19, while our model-based Fair Value estimate is $12.75 — implying the stock looks roughly 29.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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…

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Frequently asked questions

Is First Keystone Corporation (FKYS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $12.75 versus a price of $18.19 — about −30% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FKYS?
Our 21-model fair value for First Keystone Corporation is $12.75 (as of Jun 26, 2026), built from audited fundamentals. The current price is $18.19.
What is the quality score of FKYS?
First Keystone Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.