First Keystone Corporation

First Keystone Corporation

FKYS
First Keystone CorporationUS flagOther OTC
19.00
USD
- -
- -
119.17MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.07
6.12
6.06
5.87
5.48
5.53
5.93
6.56
7.3
7.02
5.64
6.15
7.03
7.08
Basic EPS, GAAP
1.87
1.84
1.64
1.68
1.52
1.61
1.77
2.03
2.49
2.35
0.92
-2.14
0.99
1.13
Free Cash Flow per Basic Share
1.75
1.16
1.74
2.02
1.69
2.49
2.07
-0.39
2.5
2.72
0.7
1.12
1.74
2.05
Dividend per Share
1.04
1.05
1.08
1.08
1.08
1.08
1.08
1.08
1.12
1.12
1.12
0.91
0.97
0.9
Book Value per Share
12.88
13.56
14.02
14.51
14.84
15.3
15.88
16.7
17.9
18.95
18.66
15.08
14.83
14.85
Tangible Book Value per Share
14.02
15.71
15.98
16.06
17.15
17.02
18.95
21.42
21.91
16.95
16.93
17.31
18.16
18.31
Basic Weighted Avg Shares
5
6
6
6
6
6
6
6
6
6
6
6
6
6
Sales/Revenue/Turnover
33
34
34
33
31
32
34
38
43
42
34
38
44
44
Operating Margin (%)
38.05
37.85
32.93
34.19
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
10
10
9
9
9
9
10
12
15
14
6
-13
6
7
Effective Tax Rate (%)
17.8
20.4
17.69
16.3
14.4
4.75
9.82
11.76
13.65
14.06
10.95
- -
3.35
4.58
Profit Margin (%)
30.87
30.13
27.1
28.62
27.72
29.05
29.8
30.9
34.05
33.44
16.29
-34.77
14.06
15.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
40
65
70
75
65
45
57
72
61
52
149
133
133
133
Total Equity
96
106
108
110
117
117
129
144
149
120
122
107
113
114
Return on Invested Capital (%)
5.56
4.9
3.93
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
15.04
14.02
11.96
11.83
10.41
10.7
11.38
12.5
14.45
12.81
4.92
-12.82
6.64
7.63

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
100
100
100
LT Borrowings
131
131
131
LT Finance Leases
2
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
108
123
122

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
296
515
300
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
3
3
ST Debt
100
100
100
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.86%
-4.25%
5.88%
Free Cash Flow
-77.43%
-137.8%
56.86%
Net Income, GAAP
-49.7%
-104.97%
-146.6%
Sales/Revenue/Turnover
3.13%
3.54%
15.26%
Total Cash Common Dividend
0.23%
-0.44%
7.19%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9
9
10
10
38
2025
10
11
11
11
44
2026
11
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-3
0.22
0.24
- -
-2.14
2025
0.17
0.47
0.45
- -
0.99
2026
0.31
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.28
0.28
-0.08
- -
0.91
2025
0.28
0.28
0.21
- -
0.97
2026
0.21
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Jack W. Jones
Full Time Employees
210
Sector
Financial Services
Industry
Banks - Regional
Address
111 West Front Street Berwick PA United States of America 18603
IPO Date
Jan 11, 1999
Website
fkc.bank
Business
First Keystone Corporation (OTC Pink: FKYS) operates as the bank holding company for its wholly owned subsidiary, First Keystone Community Bank, which provides a full range of commercial banking, trust, and fiduciary services to individuals, businesses, governments, public entities, and institutional customers in Northeastern Pennsylvania. The Bank offers deposit products including non-interest-bearing and interest-bearing demand accounts, checking accounts, savings accounts, money market accounts, time deposits, certificates of deposit, and individual retirement accounts; lending products such as commercial and industrial loans for machinery, equipment, inventory, and accounts receivable, commercial real estate loans secured by retail space, office buildings, residential housing, and hotels, residential real estate loans encompassing one-to-four family mortgages, home equity term loans, and lines of credit, consumer loans including vehicle, stock-secured, and deposit-secured loans, agricultural loans, and loans to state and political subdivisions; and additional services comprising trust investment accounts, investment advisory, mutual funds, estate planning, pension and profit-sharing plan management, debit and credit cards, lockbox processing, ACH origination, remote deposit capture, merchant services, mobile remote deposit, safe deposit boxes, internet banking, and telephone banking. First Keystone Community Bank maintains approximately 19 full-service offices and 20 ATMs across Columbia, Luzerne, Montour, Monroe, and Northampton counties. Founded in 1864 and headquartered at 111 West Front Street, Berwick, Pennsylvania, the Corporation reported total assets of $1.435 billion as of March 31, 2025, reflecting 1.8% year-over-year growth driven by a 6.0% increase in net loans to $916 million, primarily commercial real estate, partially offset by a 7.4% decline in securities; deposits rose 6.5% to approximately $1.07 billion, fueled by shifts to term certificates of deposit and $29 million in added brokered CDs amid higher interest rates. Recent operational developments include ATM fleet replacement to enhance service capabilities, salary adjustments for employee retention and growth support, realization of $235,000 in life insurance gains in first-quarter 2025, and continued quarterly dividends of $0.28 per share, with the latest declared for the period ending March 31, 2025.

Company News

APIChatGPT
  • First Keystone Corporation Announces Second Quarter Dividend

  • First Keystone Announces First Quarter 2026 Earnings (Unaudited)

  • First Keystone Announces Amended Fourth Quarter 2025 Earnings (Unaudited)

  • First Keystone Corporation Announces First Quarter Dividend

  • First Keystone Corporation Announces First Quarter Dividend

  • First Keystone Announces Fourth Quarter 2025 Earnings (Unaudited)

  • First Keystone Corporation Announces Fourth Quarter Dividend

  • First Keystone Announces Third Quarter 2025 Earnings (Unaudited)

  • Employee Spotlight: Tracy Mueller

  • First Keystone Announces First Quarter 2025 Earnings (Unaudited)

  • First Keystone Corporation Announces First Quarter Dividend

  • First Keystone Announces Fourth Quarter 2024 Earnings (Unaudited)

  • First Keystone Corporation Announces Leadership Change

  • First Keystone Corporation Announces Fourth Quarter Dividend

  • First Keystone Announces Third Quarter 2024 Earnings (Unaudited)

  • First Keystone Corporation Announces Third Quarter Dividend

  • First Keystone Announces Second Quarter 2024 Earnings (Unaudited)

  • First Keystone Corporation Announces First Quarter Goodwill Impairment and Second Quarter Dividend

  • First Keystone Corporation Announces First Quarter Dividend

  • First Keystone Announces Fourth Quarter 2023 Earnings (Unaudited)