First Keystone (FKYS) Stock Price

First Keystone Price

OTC·CLOSED
18.90USD+0.00 (+0.00 %)
Market closed

Over the last 19 years First Keystone grew revenue by 5.1% annually, reaching 78.12 M USD. Earnings per share have declined at 2.6% per year over the last 18 years. For First Keystone, the net margin of -16.9% is down versus 26.0% a few years ago. At today's price the dividend yield works out to roughly 5.93%. The dividend has grown at 1.7% per year over the past 19 years. The stock trades about 16% above its 52-week low.

First Keystone stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of First Keystone over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Keystone stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Keystone's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

First Keystone Stock Price History
DateFirst Keystone Price
7/10/202618.90 USD
7/9/202618.90 USD
7/8/202618.20 USD
7/7/202618.50 USD
7/6/202618.48 USD
7/2/202618.49 USD
7/1/202618.45 USD
6/30/202618.35 USD
6/29/202618.39 USD
6/26/202618.20 USD
6/25/202618.19 USD
6/24/202618.19 USD
6/23/202617.70 USD
6/22/202617.79 USD
6/18/202617.88 USD
6/17/202617.88 USD
6/16/202617.88 USD
6/15/202617.95 USD
6/12/202618.00 USD
6/11/202618.00 USD
6/10/202617.80 USD
6/9/202617.79 USD
6/8/202617.98 USD
6/5/202618.00 USD
6/4/202618.40 USD
6/3/202617.73 USD
6/2/202617.69 USD
6/1/202617.74 USD
5/29/202617.75 USD
5/28/202617.99 USD
5/27/202617.98 USD
5/26/202617.60 USD
5/22/202617.93 USD
5/21/202618.30 USD
5/20/202618.35 USD
5/19/202618.83 USD
5/18/202619.00 USD
5/15/202619.00 USD
5/14/202619.00 USD
5/13/202619.00 USD
5/12/202619.00 USD
5/11/202619.00 USD
5/7/202619.00 USD
5/6/202618.85 USD
5/4/202618.95 USD
5/3/202619.00 USD
4/17/202619.01 USD
4/14/202619.00 USD
4/13/202619.00 USD
4/10/202619.15 USD
4/9/202619.33 USD
4/8/202619.25 USD
4/6/202619.25 USD
4/2/202619.13 USD
3/27/202618.78 USD
3/26/202618.70 USD
3/25/202618.69 USD
3/20/202618.70 USD
3/18/202619.00 USD
3/16/202619.49 USD
3/15/202619.49 USD
3/13/202619.50 USD
3/11/202619.85 USD
3/9/202619.85 USD
3/6/202619.50 USD
3/4/202619.91 USD
3/3/202619.35 USD
2/25/202619.30 USD
2/24/202619.30 USD
2/20/202619.51 USD
2/19/202619.34 USD
2/18/202619.41 USD
2/16/202619.40 USD
2/13/202619.25 USD
2/11/202619.20 USD
2/8/202619.25 USD
2/5/202619.25 USD
2/4/202619.25 USD
2/2/202619.00 USD
1/26/202619.00 USD
1/22/202619.00 USD
1/21/202619.00 USD
1/20/202619.00 USD
1/12/202619.20 USD
1/11/202619.50 USD
1/9/202619.75 USD
1/8/202619.75 USD
1/7/202619.85 USD
1/6/202619.85 USD
1/5/202619.81 USD
1/2/202619.82 USD
12/31/202519.82 USD
12/30/202519.00 USD
12/29/202517.95 USD
12/26/202518.50 USD
12/24/202518.01 USD
12/19/202517.78 USD
12/17/202517.77 USD
12/15/202517.58 USD
12/11/202517.61 USD
12/9/202517.77 USD
12/7/202517.25 USD
12/4/202517.25 USD
12/3/202516.99 USD
12/2/202516.95 USD
11/26/202516.65 USD
11/25/202516.60 USD
11/19/202516.60 USD
11/17/202516.83 USD
11/16/202516.76 USD
11/14/202516.45 USD
11/12/202516.40 USD
11/10/202516.45 USD
11/4/202516.25 USD
10/29/202516.45 USD
10/28/202516.50 USD
10/26/202516.51 USD
10/23/202516.70 USD
10/22/202516.90 USD
10/19/202516.80 USD
10/17/202516.90 USD
10/16/202517.05 USD
10/15/202517.10 USD
10/13/202517.10 USD
10/10/202517.05 USD
10/8/202517.30 USD
10/7/202517.30 USD
10/6/202517.30 USD
10/3/202517.50 USD
10/2/202517.00 USD
10/1/202517.20 USD
9/30/202517.36 USD
9/29/202516.85 USD
9/25/202517.05 USD
9/24/202517.06 USD
9/23/202517.06 USD
9/21/202516.87 USD
9/16/202517.00 USD
9/12/202517.27 USD
9/11/202517.25 USD
9/9/202517.40 USD
9/8/202517.10 USD
9/4/202517.25 USD
9/3/202516.80 USD
9/2/202517.02 USD
8/28/202517.40 USD
8/27/202517.25 USD
8/26/202517.01 USD
8/22/202517.21 USD
8/20/202517.49 USD
8/19/202517.49 USD
8/18/202517.35 USD
8/15/202517.35 USD
8/14/202517.35 USD
8/13/202518.00 USD
8/12/202517.75 USD
8/6/202517.70 USD
8/5/202518.01 USD
8/1/202518.20 USD
7/23/202518.50 USD
7/22/202518.50 USD
7/21/202518.75 USD
7/18/202518.75 USD
7/15/202520.00 USD
Access this data via the Eulerpool API

First Keystone Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2017
38.44 M USD
8.65 M USD
Jan 1, 2018
41.13 M USD
9.21 M USD
Jan 1, 2019
45.46 M USD
10.23 M USD
Jan 1, 2020
45.58 M USD
11.84 M USD
Jan 1, 2021
49.37 M USD
14.69 M USD
Jan 1, 2022
51.74 M USD
14.02 M USD
Jan 1, 2023
63.14 M USD
5.56 M USD
Jan 1, 2024
78.12 M USD
-13.20 M USD

First Keystone Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 12, 2026, 4:03 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
EBITM USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2009201020112012201320142015201620172018201920202021202220232024
42.0043.0041.0040.0038.0038.0039.0039.0038.0041.0045.0045.0049.0051.0063.0078.00
2.442.38-4.65-2.44-5.002.63-2.567.899.768.894.0823.5323.81
102.38100.00104.88107.50113.16113.16110.26110.26113.16104.8895.5695.5687.7684.3168.2555.13
43.0043.0043.0043.0043.0043.0043.0043.0043.0043.0043.0043.0043.0043.0043.0043.00
16.00
7.008.009.0010.0010.0010.009.009.008.009.0010.0011.0014.0014.005.00-13.00
14.2912.5011.11-10.00-11.1112.5011.1110.0027.27-64.29-360.00
0.920.930.971.011.041.051.081.081.081.081.081.080.571.121.121.12
3.371.094.304.122.970.962.86-47.2296.49
5.445.445.465.475.495.545.595.645.695.745.785.845.915.976.056.17
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales First Keystone generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Keystone retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Keystone's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares First Keystone has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Keystone's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

First Keystone stock margins

The First Keystone margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First Keystone. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First Keystone.
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  • Max

Profit margin
Details
Date
Profit margin
Jan 1, 2017
22.50 %
Jan 1, 2018
22.39 %
Jan 1, 2019
22.50 %
Jan 1, 2020
25.98 %
Jan 1, 2021
29.75 %
Jan 1, 2022
27.10 %
Jan 1, 2023
8.81 %
Jan 1, 2024
-16.90 %

First Keystone Stock Revenue, EBIT, Earnings per Share

The First Keystone earnings per share therefore indicates how much revenue First Keystone has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2017
6.76 USD
1.52 USD
Jan 1, 2018
7.17 USD
1.60 USD
Jan 1, 2019
7.87 USD
1.77 USD
Jan 1, 2020
7.80 USD
2.03 USD
Jan 1, 2021
8.35 USD
2.49 USD
Jan 1, 2022
8.66 USD
2.35 USD
Jan 1, 2023
10.43 USD
0.92 USD
Jan 1, 2024
12.66 USD
-2.14 USD

First Keystone business model & stock analysis

The First Keystone Corporation is a Pennsylvania-based financial company that offers a wide range of financial services. The company's history dates back to 1864 when the First National Bank of Pennsylvania was established. In 1978, the First Keystone Corporation was founded as a holding company for the First National Bank of Pennsylvania. The business model of the First Keystone Corporation is diverse. One important aspect is retail banking, which includes banking services for individual customers. This includes traditional bank products such as accounts, loans, credit cards, and various savings products. Another important area is commercial banking, which targets small and medium-sized businesses. These services include loans, leasing, deposits, and cash management services. The First Keystone Corporation also operates in the areas of investment management and financial advisory. Here, the company offers customized investment strategies tailored to the individual needs and goals of the customer. Customers can choose from a variety of investment products such as stocks, bonds, and investment funds. The financial advisory services of the First Keystone Corporation also include tax and estate planning, as well as other financial services. Another important area of the First Keystone Corporation is insurance brokerage. This includes a subsidiary of the company called the First Keystone Risk Retention Group, which specializes in providing insurance solutions for small and medium-sized businesses. This includes liability insurance, accident insurance, and car insurance, among others. The First Keystone Corporation also offers construction loans for the real estate sector. These are loans for the construction or purchase of properties for private or business purposes. The company focuses on individual solutions and comprehensive advice and support for customers from the application process to the disbursement of the loan. The First Keystone Corporation is a publicly traded holding company whose shares are traded on the Nasdaq Stock Exchange. The company's main office is located in Berwick, Pennsylvania, but it also has branches in other cities in Pennsylvania and Maryland. The First Keystone Corporation is constantly working to expand and grow its business by introducing new products and services and expanding its branch network. Overall, the First Keystone Corporation is an established financial conglomerate with many years of experience in the industry. The company offers a wide range of financial services tailored to the needs of individual and business customers. The First Keystone Corporation prides itself on providing its customers with excellent advice, support, and customized solutions.

First Keystone SWOT Analysis

Strengths

First Keystone Corp possesses several strengths that contribute to its success in the market. These strengths include:

  • Strong brand reputation and recognition
  • Diversified product portfolio
  • Wide network of branches and ATMs
  • Experienced and skilled workforce
  • Financial stability and strong capital base

Weaknesses

Despite its strengths, First Keystone Corp also has some notable weaknesses that may hinder its performance. These weaknesses include:

  • Limited geographic presence
  • Relatively smaller market share compared to competitors
  • Dependency on specific business lines
  • Higher operating costs in certain areas
  • Difficulty in adapting to rapidly changing consumer preferences

Opportunities

First Keystone Corp can capitalize on various opportunities in the market to further its growth and profitability. These opportunities include:

  • Increasing demand for digital banking solutions
  • Expanding into new geographic markets
  • Growing customer base through strategic acquisitions
  • Offering innovative financial products and services
  • Partnerships with fintech companies to enhance technological capabilities

Threats

First Keystone Corp faces several threats in the market that may pose challenges to its operations. These threats include:

  • Intense competition from other financial institutions
  • Regulatory changes impacting banking industry practices
  • Economic downturns and fluctuations in interest rates
  • Cybersecurity risks and data breaches
  • Changing customer preferences and demands

First Keystone Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

First Keystone historical P/E ratio, EBIT multiple, and P/S ratio

First Keystone annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

First Keystone shares outstanding

  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2017
5.69 M Stocks
Jan 1, 2018
5.74 M Stocks
Jan 1, 2019
5.78 M Stocks
Jan 1, 2020
5.84 M Stocks
Jan 1, 2021
5.91 M Stocks
Jan 1, 2022
5.97 M Stocks
Jan 1, 2023
6.05 M Stocks
Jan 1, 2024
6.17 M Stocks

First Keystone stock splits

In First Keystone's history, there have been no stock splits.

First Keystone Dividend History

32 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.28USDYTD
Mar 12, 20260.28USD 0.0%1/1
20251.12USD 0.0%
Mar 13, 20250.28USD 0.0%1/4
Jun 12, 20250.28USD 0.0%2/4
Sep 11, 20250.28USD 0.0%3/4
Dec 11, 20250.28USD 0.0%4/4
20241.12USD 0.0%
20231.12USD 0.0%
20221.12USD 96.5%
20210.57USD 47.2%
20201.08USD 0.0%
20191.08USD 0.0%
20181.08USD 0.0%
20171.08USD 0.0%

First Keystone dividend payout ratio

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2017
71.05 %
Jan 1, 2018
67.08 %
Jan 1, 2019
61.02 %
Jan 1, 2020
53.20 %
Jan 1, 2021
22.89 %
Jan 1, 2022
47.71 %
Jan 1, 2023
121.95 %
Jan 1, 2024
-52.34 %
Price targets and forecasts for First Keystone are not yet available.

First Keystone shareholder structure

% Name
3.43981%
Bull (Robert Alvin)
Bull (Robert Alvin)
2.86692%
Rinehart (William Elmer)
Rinehart (William Elmer)
1.93131%
Arndt (John E)
Arndt (John E)
0.87266%
Fabian (Jerome F)
Fabian (Jerome F)
0.71922%
Jezewski (Michael L)
Jezewski (Michael L)
0.53606%
Holloway (Whitney B. CPA)
Holloway (Whitney B. CPA)

First Keystone Executives and Management Board

EW

Ms. Elaine Woodland

(66)

Director · since 2014

Compensation412,265.00 USD
MM

Mr. Mark Mcdonald

(61)

Chief Credit Officer

Compensation191,130.00 USD
JL

Mr. Jonathan Littlewood

(45)

Chief Lending Officer

Compensation179,366.00 USD
CZ

Mr. Christopher Zlobik

(50)

Chief Banking Officer

Compensation178,952.00 USD
DS

Mr. David Saracino

(80)

Independent Director, Secretary of the Company and the Bank

Compensation81,655.00 USD

Frequently asked questions about First Keystone

The business model of First Keystone Corp is a community bank that provides a wide range of financial services and products to individuals, businesses, and organizations. As a trusted financial institution, First Keystone Corp focuses on delivering personalized customer service and building long-term relationships. With a commitment to the communities it serves, the company offers a comprehensive suite of banking solutions, including deposit accounts, loans, mortgages, investment services, and insurance products. First Keystone Corp strives to understand the unique needs of its customers and support their financial goals with innovative and competitive solutions.