First Keystone Corporation Logo

First Keystone Corporation

FKYS

(2.0)
Stock Price

11,48 USD

0.53% ROA

5.76% ROE

14.86x PER

Market Cap.

103.488.808,00 USD

161.76% DER

6.59% Yield

16.92% NPM

First Keystone Corporation Stock Analysis

First Keystone Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Keystone Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.69x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

ROE in an average range (7.6%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.71%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Buffet Intrinsic Value

The company's stock seems undervalued (52) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (187%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

First Keystone Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Keystone Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Sell

First Keystone Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Keystone Corporation Revenue
Year Revenue Growth
1995 1.341.458
1996 1.569.018 14.5%
1997 1.587.051 1.14%
1998 1.903.138 16.61%
1999 13.000.000 85.36%
2000 13.530.095 3.92%
2001 14.717.225 8.07%
2002 16.804.890 12.42%
2003 18.137.715 7.35%
2004 19.626.000 7.58%
2005 18.543.000 -5.84%
2006 17.393.000 -6.61%
2007 18.313.000 5.02%
2008 23.568.000 22.3%
2009 26.460.000 10.93%
2010 31.170.000 15.11%
2011 32.054.000 2.76%
2012 33.886.000 5.41%
2013 33.353.000 -1.6%
2014 33.891.000 1.59%
2015 33.842.000 -0.14%
2016 33.097.000 -2.25%
2017 31.194.000 -6.1%
2018 31.709.000 1.62%
2019 34.321.000 7.61%
2020 38.313.000 10.42%
2021 43.132.000 11.17%
2022 41.932.000 -2.86%
2023 56.948.000 26.37%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Keystone Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Keystone Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 2.262.650
1996 2.448.234 7.58%
1997 2.626.752 6.8%
1998 2.887.862 9.04%
1999 3.500.000 17.49%
2000 3.761.797 6.96%
2001 3.895.588 3.43%
2002 4.222.354 7.74%
2003 4.445.790 5.03%
2004 4.882.000 8.94%
2005 5.074.000 3.78%
2006 5.185.000 2.14%
2007 5.576.000 7.01%
2008 7.350.000 24.14%
2009 9.240.000 20.45%
2010 9.925.000 6.9%
2011 11.111.000 10.67%
2012 10.899.000 -1.95%
2013 11.351.000 3.98%
2014 11.980.000 5.25%
2015 11.544.000 -3.78%
2016 10.966.000 -5.27%
2017 11.491.000 4.57%
2018 12.081.000 4.88%
2019 12.594.000 4.07%
2020 13.855.000 9.1%
2021 14.571.000 4.91%
2022 15.044.000 3.14%
2023 16.780.000 10.35%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Keystone Corporation EBITDA
Year EBITDA Growth
1995 12.988.437
1996 14.080.264 7.75%
1997 15.652.862 10.05%
1998 16.866.852 7.2%
1999 18.900.000 10.76%
2000 20.820.012 9.22%
2001 22.101.867 5.8%
2002 20.231.685 -9.24%
2003 19.958.952 -1.37%
2004 19.909.000 -0.25%
2005 20.382.000 2.32%
2006 23.080.000 11.69%
2007 26.051.000 11.4%
2008 27.771.000 6.19%
2009 25.543.000 -8.72%
2010 25.114.000 -1.71%
2011 22.842.000 -9.95%
2012 19.813.000 -15.29%
2013 18.875.000 -4.97%
2014 18.906.000 0.16%
2015 17.585.000 -7.51%
2016 17.778.000 1.09%
2017 17.763.000 -0.08%
2018 19.346.000 8.18%
2019 12.122.000 -59.59%
2020 14.545.000 16.66%
2021 18.047.000 19.4%
2022 26.287.000 31.35%
2023 5.240.000 -401.66%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Keystone Corporation Gross Profit
Year Gross Profit Growth
1995 1.341.458
1996 1.569.018 14.5%
1997 1.587.051 1.14%
1998 1.903.138 16.61%
1999 13.000.000 85.36%
2000 13.530.095 3.92%
2001 14.717.225 8.07%
2002 16.804.890 12.42%
2003 18.137.715 7.35%
2004 19.626.000 7.58%
2005 18.543.000 -5.84%
2006 17.393.000 -6.61%
2007 18.313.000 5.02%
2008 23.568.000 22.3%
2009 26.460.000 10.93%
2010 31.170.000 15.11%
2011 32.054.000 2.76%
2012 33.886.000 5.41%
2013 33.353.000 -1.6%
2014 33.891.000 1.59%
2015 33.842.000 -0.14%
2016 33.097.000 -2.25%
2017 31.194.000 -6.1%
2018 31.709.000 1.62%
2019 34.321.000 7.61%
2020 38.313.000 10.42%
2021 43.132.000 11.17%
2022 41.932.000 -2.86%
2023 56.948.000 26.37%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Keystone Corporation Net Profit
Year Net Profit Growth
1995 3.486.193
1996 4.130.285 15.59%
1997 4.660.240 11.37%
1998 4.887.532 4.65%
1999 5.200.000 6.01%
2000 5.208.107 0.16%
2001 5.433.401 4.15%
2002 6.587.149 17.52%
2003 7.316.992 9.97%
2004 6.787.000 -7.81%
2005 6.847.000 0.88%
2006 6.190.000 -10.61%
2007 6.127.000 -1.03%
2008 7.551.000 18.86%
2009 7.937.000 4.86%
2010 8.961.000 11.43%
2011 9.907.000 9.55%
2012 10.170.000 2.59%
2013 10.273.000 1%
2014 10.211.000 -0.61%
2015 9.172.000 -11.33%
2016 9.472.000 3.17%
2017 8.648.000 -9.53%
2018 9.211.000 6.11%
2019 10.227.000 9.93%
2020 11.837.000 13.6%
2021 14.688.000 19.41%
2022 14.024.000 -4.73%
2023 5.132.000 -173.27%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Keystone Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 100%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 2 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 2 0%
2011 2 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 0%
2020 2 50%
2021 2 0%
2022 2 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Keystone Corporation Free Cashflow
Year Free Cashflow Growth
1995 3.824.131
1996 4.800.307 20.34%
1997 4.261.342 -12.65%
1998 2.426.422 -75.62%
1999 2.500.000 2.94%
2000 5.830.530 57.12%
2001 7.577.548 23.06%
2002 3.707.724 -104.37%
2003 4.025.593 7.9%
2004 14.009.000 71.26%
2005 6.021.000 -132.67%
2006 3.968.000 -51.74%
2007 8.181.000 51.5%
2008 1.705.000 -379.82%
2009 -5.744.000 129.68%
2010 14.825.000 138.75%
2011 15.160.000 2.21%
2012 539.000 -2712.62%
2013 8.865.000 93.92%
2014 6.412.000 -38.26%
2015 9.741.000 34.18%
2016 11.370.000 14.33%
2017 9.619.000 -18.2%
2018 14.295.000 32.71%
2019 11.982.000 -19.3%
2020 -2.289.000 623.46%
2021 14.763.000 115.5%
2022 14.636.000 -0.87%
2023 2.264.000 -546.47%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Keystone Corporation Operating Cashflow
Year Operating Cashflow Growth
1995 4.173.096
1996 4.915.153 15.1%
1997 5.121.923 4.04%
1998 3.103.749 -65.02%
1999 3.000.000 -3.46%
2000 5.926.256 49.38%
2001 7.667.247 22.71%
2002 4.253.015 -80.28%
2003 5.179.537 17.89%
2004 14.894.000 65.22%
2005 6.198.000 -140.3%
2006 4.186.000 -48.06%
2007 9.315.000 55.06%
2008 3.181.000 -192.83%
2009 -2.721.000 216.91%
2010 16.182.000 116.81%
2011 16.990.000 4.76%
2012 7.953.000 -113.63%
2013 12.221.000 34.92%
2014 7.076.000 -72.71%
2015 10.285.000 31.2%
2016 11.753.000 12.49%
2017 12.204.000 3.7%
2018 14.741.000 17.21%
2019 12.539.000 -17.56%
2020 -1.957.000 740.73%
2021 15.255.000 112.83%
2022 16.528.000 7.7%
2023 2.455.000 -573.24%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Keystone Corporation Capital Expenditure
Year Capital Expenditure Growth
1995 348.965
1996 114.846 -203.85%
1997 860.581 86.65%
1998 677.327 -27.06%
1999 500.000 -35.47%
2000 95.726 -422.32%
2001 89.699 -6.72%
2002 545.291 83.55%
2003 1.153.944 52.75%
2004 885.000 -30.39%
2005 177.000 -400%
2006 218.000 18.81%
2007 1.134.000 80.78%
2008 1.476.000 23.17%
2009 3.023.000 51.17%
2010 1.357.000 -122.77%
2011 1.830.000 25.85%
2012 7.414.000 75.32%
2013 3.356.000 -120.92%
2014 664.000 -405.42%
2015 544.000 -22.06%
2016 383.000 -42.04%
2017 2.585.000 85.18%
2018 446.000 -479.6%
2019 557.000 19.93%
2020 332.000 -67.77%
2021 492.000 32.52%
2022 1.892.000 74%
2023 191.000 -890.58%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Keystone Corporation Equity
Year Equity Growth
1995 25.399.461
1996 27.472.995 7.55%
1997 31.818.067 13.66%
1998 33.753.149 5.73%
1999 29.400.000 -14.81%
2000 36.657.637 19.8%
2001 39.695.877 7.65%
2002 49.096.041 19.15%
2003 51.351.341 4.39%
2004 53.312.000 3.68%
2005 53.443.000 0.25%
2006 53.387.000 -0.1%
2007 70.924.000 24.73%
2008 69.147.000 -2.57%
2009 74.167.000 6.77%
2010 79.060.000 6.19%
2011 93.092.000 15.07%
2012 103.330.000 9.91%
2013 96.351.000 -7.24%
2014 106.271.000 9.33%
2015 108.438.000 2%
2016 109.685.000 1.14%
2017 116.719.000 6.03%
2018 116.756.000 0.03%
2019 128.752.000 9.32%
2020 144.242.000 10.74%
2021 148.555.000 2.9%
2022 120.386.000 -23.4%
2023 115.021.000 -4.66%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Keystone Corporation Assets
Year Assets Growth
1995 226.033.263
1996 242.557.150 6.81%
1997 267.398.586 9.29%
1998 303.028.481 11.76%
1999 333.500.000 9.14%
2000 360.342.306 7.45%
2001 393.471.902 8.42%
2002 439.525.620 10.48%
2003 481.840.354 8.78%
2004 497.615.000 3.17%
2005 512.399.000 2.89%
2006 525.920.000 2.57%
2007 681.207.000 22.8%
2008 714.898.000 4.71%
2009 758.330.000 5.73%
2010 796.601.000 4.8%
2011 818.546.000 2.68%
2012 819.966.000 0.17%
2013 901.565.000 9.05%
2014 912.353.000 1.18%
2015 983.489.000 7.23%
2016 984.283.000 0.08%
2017 990.121.000 0.59%
2018 1.012.000.000 2.16%
2019 1.007.226.000 -0.47%
2020 1.179.047.000 14.57%
2021 1.320.350.000 10.7%
2022 1.329.194.000 0.67%
2023 1.319.714.000 -0.72%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Keystone Corporation Liabilities
Year Liabilities Growth
1995 200.633.802
1996 215.084.155 6.72%
1997 235.580.519 8.7%
1998 269.275.332 12.51%
1999 304.100.000 11.45%
2000 323.684.669 6.05%
2001 353.776.025 8.51%
2002 390.429.579 9.39%
2003 430.489.013 9.31%
2004 444.303.000 3.11%
2005 458.956.000 3.19%
2006 472.533.000 2.87%
2007 610.283.000 22.57%
2008 645.751.000 5.49%
2009 684.163.000 5.61%
2010 717.541.000 4.65%
2011 725.454.000 1.09%
2012 716.636.000 -1.23%
2013 805.214.000 11%
2014 806.082.000 0.11%
2015 875.051.000 7.88%
2016 874.598.000 -0.05%
2017 873.402.000 -0.14%
2018 895.244.000 2.44%
2019 878.474.000 -1.91%
2020 1.034.805.000 15.11%
2021 1.171.795.000 11.69%
2022 1.208.808.000 3.06%
2023 1.204.693.000 -0.34%

First Keystone Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.76
Net Income per Share
1.14
Price to Earning Ratio
14.86x
Price To Sales Ratio
2.53x
POCF Ratio
12.96
PFCF Ratio
20.46
Price to Book Ratio
0.9
EV to Sales
6.76
EV Over EBITDA
15.63
EV to Operating CashFlow
34.84
EV to FreeCashFlow
54.74
Earnings Yield
0.07
FreeCashFlow Yield
0.05
Market Cap
0,10 Bil.
Enterprise Value
0,28 Bil.
Graham Number
22.09
Graham NetNet
-141.04

Income Statement Metrics

Net Income per Share
1.14
Income Quality
1.15
ROE
0.06
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.88
EBT Per Ebit
0.46
Ebit per Revenue
0.42
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.42
Pretax Profit Margin
0.19
Net Profit Margin
0.17

Dividends

Dividend Yield
0.07
Dividend Yield %
6.59
Payout Ratio
0.97
Dividend Per Share
1.12

Operating Metrics

Operating Cashflow per Share
1.31
Free CashFlow per Share
0.83
Capex to Operating CashFlow
-0.36
Capex to Revenue
-0.07
Capex to Depreciation
-2.96
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
41.11
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
8.88
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.48

Balance Sheet

Cash per Share
57,02
Book Value per Share
18,96
Tangible Book Value per Share
15.81
Shareholders Equity per Share
18.96
Interest Debt per Share
34.54
Debt to Equity
1.62
Debt to Assets
0.14
Net Debt to EBITDA
9.79
Current Ratio
2.22
Tangible Asset Value
0,10 Bil.
Net Current Asset Value
-0,86 Bil.
Invested Capital
1.62
Working Capital
0,19 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.8

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Keystone Corporation Dividends
Year Dividends Growth
2001 1
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

First Keystone Corporation Profile

About First Keystone Corporation

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 demand deposits and interest bearing demand deposits, money market accounts, savings accounts, and time deposits. 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 loans, and loans secured by financial institution deposits. 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, as well as internet banking services. The company operates 18 full service offices; and one loan production office, as well as 20 automated teller machines. First Keystone Corporation was founded in 1864 and is headquartered in Berwick, Pennsylvania.

CEO
Ms. Elaine A. Woodland
Employee
200
Address
111 West Front Street
Berwick, 18603

First Keystone Corporation Executives & BODs

First Keystone Corporation Executives & BODs
# Name Age
1 Kevin M. Krieger
Senior Vice President, Compliance Officer & CRA Officer
70
2 Mr. Jonathan Robert Littlewood
Chief Lending Officer
70
3 Ms. Linda K. Yerges
Vice President & Human Resources Manager
70
4 Mr. Christopher Zlobik
Chief Banking Officer
70
5 Ms. Cheryl Wynings
Assistant Secretary
70
6 Ms. Elaine A. Woodland
Chief Executive Officer, President & Director
70
7 Mr. David R. Saracino
Secretary & Independent Director
70
8 Mr. Mark James McDonald
Chief Credit Officer
70
9 Rebecca A. Hooper
Senior Vice President
70
10 Ms. Diane C. A. Rosler
Senior Vice President, Chief Financial Officer & Treasurer
70

First Keystone Corporation Competitors