📊 FKYS Key Takeaways
Is First Keystone Corp. (FKYS) a Good Investment?
First Keystone Corp demonstrates solid revenue growth (+121.3% YoY) and positive free cash flow generation ($8.9M), but fundamental concerns about profitability quality and financial leverage require caution. The extremely weak interest coverage ratio (0.3x) and modest ROA (0.4%) suggest the company is struggling to efficiently deploy its $1.6B asset base despite strong top-line expansion.
First Keystone shows stable but unexceptional fundamentals: revenue surged, yet net income was flat, indicating weak earnings conversion and low-quality growth. Profitability remains modest with 0.4% ROA and 6.0% ROE, while positive operating cash flow and a reasonable debt-to-equity ratio provide some balance-sheet support. Overall, the company appears fundamentally stable but lacks strong evidence of improving earnings power.
Why Buy First Keystone Corp. Stock? FKYS Key Strengths
- Strong revenue growth of 121.3% year-over-year indicates business expansion and market traction
- Positive free cash flow of $8.9M with healthy FCF margin of 15.6% demonstrates cash generation capability
- Moderate debt-to-equity ratio of 0.40x suggests reasonable leverage levels for a bank
- Positive operating cash flow and free cash flow support internal capital generation
- Cash balances are solid relative to company size, supporting liquidity
- Leverage appears manageable with debt-to-equity at 0.40x
FKYS Stock Risks: First Keystone Corp. Investment Risks
- Critical interest coverage ratio of 0.3x indicates severe difficulty servicing debt obligations, suggesting profitability may be insufficient relative to debt burden
- Extremely low ROA of 0.4% reveals poor asset efficiency despite $1.6B in total assets, a major red flag for a banking institution
- Net income growth flat at 0.0% YoY combined with -335.2% EPS decline suggests significant share dilution or one-time charges masking underlying earnings deterioration
- Revenue growth did not translate into net income growth, suggesting margin pressure or weaker growth quality
- Profitability is low for a bank, with subdued ROA and ROE
- Very weak interest coverage indicates earnings pressure relative to financing costs
Key Metrics to Watch
- Interest coverage ratio trend - critical to monitor debt servicing ability
- Return on assets (ROA) - must improve to demonstrate better capital deployment efficiency
- Net income growth trajectory - verify if current period reflects normalization or continued weakness
- Net interest margin and efficiency ratio trend
- ROA and net income growth versus balance-sheet expansion
First Keystone Corp. (FKYS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FKYS Profit Margin, ROE & Profitability Analysis
FKYS vs Finance Sector: How First Keystone Corp. Compares
How First Keystone Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Keystone Corp. Stock Overvalued? FKYS Valuation Analysis 2026
Based on fundamental analysis, First Keystone Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Keystone Corp. Balance Sheet: FKYS Debt, Cash & Liquidity
FKYS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Keystone Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-2.14 indicates the company is currently unprofitable.
FKYS Revenue Growth, EPS Growth & YoY Performance
First Keystone Corp. Dividends, Buybacks & Capital Allocation
FKYS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Keystone Corp. (CIK: 0000737875)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FKYS
What is the AI rating for FKYS?
First Keystone Corp. (FKYS) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 61% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FKYS's key strengths?
Claude: Strong revenue growth of 121.3% year-over-year indicates business expansion and market traction. Positive free cash flow of $8.9M with healthy FCF margin of 15.6% demonstrates cash generation capability. ChatGPT: Positive operating cash flow and free cash flow support internal capital generation. Cash balances are solid relative to company size, supporting liquidity.
What are the risks of investing in FKYS?
Claude: Critical interest coverage ratio of 0.3x indicates severe difficulty servicing debt obligations, suggesting profitability may be insufficient relative to debt burden. Extremely low ROA of 0.4% reveals poor asset efficiency despite $1.6B in total assets, a major red flag for a banking institution. ChatGPT: Revenue growth did not translate into net income growth, suggesting margin pressure or weaker growth quality. Profitability is low for a bank, with subdued ROA and ROE.
What is FKYS's revenue and growth?
First Keystone Corp. reported revenue of $56.9M.
Does FKYS pay dividends?
First Keystone Corp. pays dividends, with $3.5M distributed to shareholders in the trailing twelve months.
Where can I find FKYS SEC filings?
Official SEC filings for First Keystone Corp. (CIK: 0000737875) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FKYS's EPS?
First Keystone Corp. has a diluted EPS of $1.09.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FKYS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Keystone Corp. has a HOLD rating with 61% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FKYS stock overvalued or undervalued?
Valuation metrics for FKYS: ROE of 6.0% (sector avg: 12%), net margin of 11.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FKYS stock in 2026?
Our dual AI analysis gives First Keystone Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FKYS's free cash flow?
First Keystone Corp.'s operating cash flow is $9.2M, with capital expenditures of $329.0K. FCF margin is 15.6%.
How does FKYS compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.9% (avg: 25%), ROE 6.0% (avg: 12%), current ratio N/A (avg: 1.2).