FIRST KEYSTONE CORP

FKYS

FIRST KEYSTONE CORP

FKYS

Insider Sentiment (TTM):

Last Purchase:2026-06-23Last Sale:-Shares Purchased (TTM):9,362Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-06-30Institutional Shares Owned:41,994Shares Outstanding:6,219,000Institutional Ownership Pct.:0.68%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	9	9	9	13	11	10	10	14	14	10	9	11
Interest Bearing Deposits In Banks	179	128	112	134	28	8	7	10	2	5	8	2
Cash And Cash Equivalents At Carrying Value	188	137	121	147	39	19	17	24	16	15	17	13
Debt Securities Available For Sale Excluding Accru…	369	387	394	408	368	379	390	405	404	409	393	333
Equity Securities Fv Ni	2	2	2	2	2	2	2	1	1	1	1	1
Loans Receivable Held For Sale Amount	1	0	1	0	0	1	1	0	0	0	0	0
Financing Receivable Allowance For Credit Loss Exc…	-	-9	-9	-8	-8	-8	-8	-8	-8	-7	-7	-7
Financing Receivable Excluding Accrued Interest Af…	-	924	939	950	952	956	941	927	915	902	904	874
Assets
Assets	1,574	1,525	1,531	1,582	1,437	1,435	1,429	1,439	1,418	1,410	1,416	1,320
Property Plant And Equipment And Finance Lease Rig…	-	19	19	20	20	20	20	20	20	20	20	20
Operating Lease Right Of Use Asset	1	1	1	1	1	1	1	1	1	1	1	1
Interest Receivable	5	5	5	5	5	5	5	5	5	5	5	5
Cash Surrender Value Of Life Insurance	27	27	26	26	26	26	27	27	26	26	26	26
Investments In Affiliates Subsidiaries Associates …	4	4	4	5	5	5	5	5	6	6	6	6
Deferred Income Tax Assets Net	6	6	6	7	7	8	8	7	9	9	9	11
Goodwill	-	-	0	-	-	0	0	0	0	0	19	19
Other Assets	3	4	3	4	3	5	3	4	3	4	3	4
Noninterest Bearing Deposit Liabilities Domestic	231	217	207	215	203	209	204	212	206	205	199	225
Deposits	1,180	1,131	1,137	1,192	1,057	1,045	1,046	1,020	984	982	980	992
Interest Bearing Deposit Liabilities	949	914	931	977	854	836	842	808	778	777	782	767
Short Term Borrowings	136	136	137	133	130	140	134	167	175	166	153	155
Federal Home Loan Bank Advances Branch Of F H L B …	106	106	106	106	106	106	106	102	122	122	122	22
Subordinated Debt	25	25	25	25	25	25	25	25	25	25	25	25
Operating Lease Liability	2	2	2	2	2	2	2	2	2	2	2	2
Accrued Liabilities Current And Noncurrent	3	3	3	3	2	3	2	3	4	3	3	2
Other Liabilities	5	8	8	9	8	8	6	12	5	6	9	7
Liabilities	1,456	1,411	1,418	1,470	1,330	1,329	1,322	1,331	1,317	1,306	1,294	1,205
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	13	13	13	13	13	13	13	13	13	13	13	13
Stockholders Equity
Additional Paid In Capital Common Stock	-	46	46	45	45	45	45	45	45	44	44	44
Stockholders Equity	118	114	113	112	108	106	107	107	101	104	122	115
Retained Earnings Accumulated Deficit	82	80	79	82	81	79	80	80	80	80	100	100
Accumulated Other Comprehensive Income Loss Net Of…	-17	-19	-19	-22	-25	-25	-26	-24	-31	-28	-30	-36
Treasury Stock Value	-6	-6	-6	-6	-6	-6	-6	-6	-6	-6	-6	-6
Liabilities And Stockholders Equity	1,574	1,525	1,531	1,582	1,437	1,435	1,429	1,439	1,418	1,410	1,416	1,320
Preferred Stock Par Or Stated Value Per Share	2	2	2	2	2	2	2	2	2	2	2	2
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	2	2	2	2	2	2	2	2	2	2	2	2
Common Stock Shares Authorized	20	20	20	20	20	20	20	20	20	20	20	20
Common Stock Shares Issued	7	7	7	6	6	6	6	6	6	6	6	6
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-5.26%	-2.68%	-0.54%	-	-	-	-	-	-	-	-	-
2025	-2.56%	22.25%	18.66%	-4.17%	-1.19%	-7.12%	2.46%	15.67%	18.79%	-0.05%	-5.63%	-4.39%
2024	-1.67%	-3.64%	-5.61%	-0.41%	3.48%	1.70%	19.80%	4.33%	5.07%	15.66%	11.17%	11.48%
2023	-	-	-	-3.84%	-2.87%	-21.46%	-8.06%	5.16%	2.79%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.78	-0.81	-0.83	-0.73	-0.23	0.24	0.19	0.64	0.60	0.57	1.22	1.34
Per Share Metrics
Diluted EPS TTM	1.26	1.13	0.99	1.46	1.25	1.00	-2.14	-2.22	-2.26	-2.32	-	1.14
Free Cash Flow Per Share TTM	1.60	2.03	1.74	1.71	1.33	0.95	1.12	1.30	1.50	1.42	0.70	0.90
Dividend Per Share TTM	0.00	0.28	0.56	0.78	0.84	0.84	0.84	0.89	1.11	1.11	1.12	1.11
Margin Metrics
Gross Profit Margin TTM	-97.52%	-4,877.60%	-3,603.00%	-1,406.05%	-1,410.64%	-1,434.41%	-1,642.01%	-2,516.41%	-2,341.50%	-114.76%	0.06%	41.37%
Operating Profit Margin TTM	41.16%	915.47%	595.97%	384.77%	322.49%	253.86%	-589.59%	-952.23%	-969.84%	-93.41%	22.39%	19.80%
Net Profit Margin TTM	38.63%	873.51%	576.03%	349.34%	301.40%	244.29%	-587.58%	-953.34%	-975.02%	-95.60%	19.94%	17.35%
Growth Metrics
Net Revenue Growth (1Y)	696.27%	-68.30%	-52.47%	80.39%	80.20%	-82.81%	-91.94%	-96.40%	-97.23%	-69.80%	-39.91%	-10.06%
Net Income Growth (1Y)	2.06%	13.35%	-146.60%	-166.10%	-155.70%	-143.93%	-337.46%	-297.71%	-252.19%	-219.73%	-60.35%	-50.65%
EPS Growth (1Y)	0.80%	12.39%	-146.18%	-165.74%	-155.12%	-143.24%	-333.00%	-293.87%	-249.37%	-217.74%	-60.88%	-51.33%
Valuation Metrics
P/E TTM	14.59	17.06	19.46	11.38	11.56	13.81	-5.71	-4.88	-4.80	-4.81	14.53	12.31
P/B TTM	0.98	1.05	1.06	0.92	0.83	0.81	0.71	0.62	0.66	0.66	0.66	0.74
P/S TTM	5.64	148.99	112.12	39.75	34.84	33.75	33.55	46.52	46.80	4.60	2.90	2.14
Market Cap	115.55M	120.38M	119.74M	103.11M	89.71M	86.02M	75.38M	66.90M	66.88M	68.23M	80.81M	85.38M
Enterprise Value	63.19M	119.63M	210.44M	218.72M	180.21M	207.52M	192.55M	217.36M	225.18M	219.27M	217.26M	227.52M
Calculated Values
Free Cash Flow TTM	10.05M	12.76M	10.82M	10.64M	8.28M	5.93M	6.92M	8.02M	9.25M	8.69M	4.25M	5.47M
Net Debt	-52.36M	-755.00K	90.70M	115.60M	90.50M	121.50M	117.17M	150.46M	158.30M	151.04M	136.46M	142.14M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-23Purchase

Owner: Bower, Donald Matthew

Title: -

Shares: 4,275

Price/Share: $17.70

Value: $75,667.50

Shares Owned: 12,205

Relationship: Director

Ownership: Direct

2026-05-28Purchase

Owner: Bower, Donald Matthew

Title: -

Shares: 1,000

Price/Share: $18.00

Value: $18,000.00

Shares Owned: 7,930

Relationship: Director

Ownership: Direct

2026-05-27Purchase

Owner: Jezewski, Michael L

Title: -

Shares: 548

Price/Share: $17.95

Value: $9,836.60

Shares Owned: 44,619

Relationship: Director

Ownership: Direct

2026-05-26Purchase

Owner: Karas, Michelle M.

Title: SVP & COO

Shares: 635

Price/Share: $19.00

Value: $12,065.00

Shares Owned: 845

Relationship: Officer

Ownership: Direct

2025-12-30Purchase

Owner: Jones, Jack W.

Title: President & CEO

Shares: 1,400

Price/Share: $18.50

Value: $25,900.00

Shares Owned: 1,600

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-23	Bower, Donald Matthew	Director	-	Direct	Purchase	4,275	17.70	$75,667.50	12,205	4
2026-05-28	Bower, Donald Matthew	Director	-	Direct	Purchase	1,000	18.00	$18,000.00	7,930	4
2026-05-27	Jezewski, Michael L	Director	-	Direct	Purchase	548	17.95	$9,836.60	44,619	4
2026-05-26	Karas, Michelle M.	Officer	SVP & COO	Direct	Purchase	635	19.00	$12,065.00	845	4
2025-12-30	Jones, Jack W.	Director,Officer	President & CEO	Direct	Purchase	1,400	18.50	$25,900.00	1,600	4
2025-12-30	Jones, Jack W.	Director,Officer	President & CEO	Direct	Purchase	1,400	18.46	$25,844.00	1,600	4/A
2025-09-12	Jezewski, Michael L	Director	-	Direct	Purchase	104	17.27	$1,796.08	44,071	4
2025-08-21	Karas, Michelle M.	Officer	SVP & COO	Direct	Purchase	200	17.50	$3,500.00	200	4
2025-05-30	Bull, Robert Alvin	Director,Officer	Chairman	Direct	Purchase	3,022	15.00	$45,330.00	209,240	4
2025-05-28	Jones, Jack W.	Director,Officer	President & CEO	Direct	Purchase	200	15.00	$3,000.00	200	4
2025-02-26	Jezewski, Michael L	Director	-	Direct	Purchase	1,886	14.09	$26,573.74	43,967	4
2024-11-25	Littlewood, Jonathan Robe…	Officer	Senior Vice President	Direct	Purchase	15	15.56	$233.40	673	4
2024-11-15	Bower, Donald Matthew	Director	-	Direct	Purchase	1,500	16.00	$24,000.00	6,284	4
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Institutional Ownership

No data available for chart

2025-06-30

0.68%

Inst. Shares: 41,994

Shares Outstanding: 6,219,000

2025-03-31

0.94%

Inst. Shares: 58,594

Shares Outstanding: 6,219,000

2024-12-31

1.27%

Inst. Shares: 78,596

Shares Outstanding: 6,170,000

2024-09-30

1.46%

Inst. Shares: 90,349

Shares Outstanding: 6,185,000

2024-06-30

1.47%

Inst. Shares: 90,349

Shares Outstanding: 6,154,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-06-30	41,994	6,219,000	0.68%
2025-03-31	58,594	6,219,000	0.94%
2024-12-31	78,596	6,170,000	1.27%
2024-09-30	90,349	6,185,000	1.46%
2024-06-30	90,349	6,154,000	1.47%
2024-03-31	90,349	6,121,000	1.48%
2023-12-31	100,349	6,054,000	1.66%
2023-09-30	100,349	6,065,000	1.65%
2023-06-30	100,349	6,040,000	1.66%
2023-03-31	100,349	6,019,000	1.67%
2022-12-31	100,349	5,974,000	1.68%
2022-09-30	100,349	5,982,000	1.68%
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FIRST KEYSTONE CORP (FKYS) — SEC Financial Statements & Analysis

FIRST KEYSTONE CORP (FKYS) is a state commercial banks company, incorporated in PA. FIRST KEYSTONE CORP trades on OTC as: FKYS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST KEYSTONE CORP reported a 696.27% year-over-year revenue growth, a Gross Profit Margin of -97.52% (TTM), a Price-to-Sales (P/S) ratio of 5.64x (TTM), a Price-to-Book (P/B) ratio of 0.98x (TTM), at a market cap of $115.55M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 696.27%
Gross Profit Margin TTM: -97.52%
P/S TTM: 5.64x
P/B TTM: 0.98x
Market Cap: $115.55M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST KEYSTONE CORP in?

FIRST KEYSTONE CORP (FKYS) operates in the State Commercial Banks industry.

What is FKYS's market cap?

FIRST KEYSTONE CORP (FKYS) has a market capitalization of $115.55M as of 2026-06-30.

What is FKYS's P/E ratio?

FIRST KEYSTONE CORP (FKYS)'s trailing twelve month P/E ratio is 14.59x as of 2026-06-30.

What exchange does FKYS trade on?

FIRST KEYSTONE CORP (FKYS) trades on the OTC.

Where is FIRST KEYSTONE CORP incorporated?

FIRST KEYSTONE CORP is incorporated in PA.