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what it is
First Keystone is a small Pennsylvania bank that takes deposits and makes loans.
how it gets paid
Last year First Keystone made $71M in revenue. commercial and industrial loans was the main engine at $20M, or 28% of sales.
what just happened
The latest quarter printed roughly ~$18M of revenue (~one-fourth of ~$71M annual) with EPS near ~$0.27 — still a normal bank cadence, not a second year in one quarter.
At a glance
C++ balance sheet — some cracks in the foundation
10/100 earnings predictability — expect surprises
13.1x trailing p/e — the market's not buying it — or you found a deal
5.7% dividend yield — cash in your pocket every quarter
n/m — forward EPS est. (feeds disagree on small banks)
xvary composite: 45/100 — below average
What they do
First Keystone is a small Pennsylvania bank that takes deposits and makes loans.
You are not buying scale. You are buying a local bank with 206 employees and $71M in annual revenue. That makes your checking account, mortgage, and loan history harder to move. The contrast is the weird part. The stock yields 5.7%, and beta is 0.45, so it moves at about half the market's speed.
How they make money
$71M
annual revenue
commercial and industrial loans
$20M
up
commercial real estate loans
$17M
up
residential real estate loans
$14M
up
consumer and agricultural loans
$13M
up
fees and other banking income
$7M
flat
The products that matter
spread earned on loans and deposits
net interest income
$58M · 82% of reported mix
this is the core engine. at $58M, it drives most of the business, which means even modest pressure on funding costs or loan yields shows up fast.
core driver
fees and other banking revenue
non-interest income
$13M · 18% of reported mix
this is the smaller buffer. it helps, but at $13M it is too small to carry the story if the spread business weakens.
small buffer
cash returned to shareholders
quarterly dividend
$0.28 per quarter · $1.12 annual
the stock yields 5.7% at $19.20. for many holders, the payout is the product. that's why dividend coverage matters more than a management story.
yield thesis
Key numbers
~$71M
annual revenue
n/m
fy eps est
13.1x
trailing p/e
5.7%
dividend yield
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $131M (52% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for FKYS right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue near ~$18M for the quarter with EPS near ~$0.27 — consistent with ~$71M for the year.
Some feeds labeled a longer period as “the quarter.” Here the quarter is scaled to ~one-fourth of ~$71M annual revenue so the story does not accidentally imply ~$200M+ of yearly sales.
~$18M
revenue (q)
~$0.27
eps (q)
5.7%
dividend yield
the number that mattered
Dividend coverage vs ~$131M long-term debt matters more than any one noisy quarterly line when the equity cap is ~$122M.
source: company earnings report, 2026
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What could go wrong
FKYS does not need a dramatic failure to disappoint you. it just needs earnings to slip while the dividend and debt load stay where they are.
high
dividend coverage gets thin fast
the annual dividend is $1.12 per share. forward EPS for small banks is noisy — this page shows n/m for FY EPS est — so any single “cushion” number from one feed can mislead. if earnings fall toward the dividend, the yield story stops looking safe.
if reported earnings fall below $1.12, the yield story stops looking dependable and starts looking fragile.
med
the business leans hard on net interest income
$58M of the reported $71M revenue mix comes from net interest income. that's 82% of the business tied to lending spreads and funding costs.
when one line drives more than four-fifths of the mix, rate pressure and credit quality are not side issues. they are the story.
med
the balance sheet already asks for trust
long-term debt stands at $131M, or 52% of capital, while the balance sheet grade sits at C++.
that does not guarantee trouble. it does mean you should watch capital strength as closely as the dividend check.
med
another share-price drop could revive impairment noise
management previously cited a stock-price decline during Q1 2024 as a trigger for goodwill impairment review. the shares still trade inside a relatively narrow $14–$20 band.
another sharp drop would hurt sentiment first, then raise the odds of non-cash charges muddying reported earnings and equity.
the key insight: a 5.7% yield looks generous until you remember the forecasted cushion is only $0.33 per share.
source: institutional data · regulatory filings · risk analysis
Pay attention to
coverage
EPS versus the $1.12 annual dividend
this is the cleanest scoreboard on the page. if earnings drift below the payout, the whole FKYS case gets less comfortable fast.
dividend
Q1 2026 dividend payment
payable march 31, 2026. the $0.28 per share payout is why many investors own the stock in the first place.
spread income
net interest income staying near the $58M run-rate
82% of the reported revenue mix comes from this line. if it slips, the rest of the income statement does not have enough weight to hide it.
filing risk
whether the next filing fills in the missing earnings detail
the latest results update in this dataset was thin. you want the next filing to clarify profit, revenue, and capital trends rather than leave the same blanks in place.
Analyst rankings
earnings predictability
10 / 100
in human-speak, analysts do not see this as a smooth, easy-to-model earnings story.
risk rank
3
roughly average on safety. not a blow-up profile, but not the kind of bank you forget about after buying.
source: institutional data
Institutional activity
institutional ownership data for FKYS is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$19
current price
n/a
target midpoint · n/a from current
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