📊 FKYS Key Takeaways
Is FKYS a Good Investment? Thesis Analysis
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.
Why Buy 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
FKYS Investment Risks to Consider
- 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
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
FKYS Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FKYS Profitability Ratios
FKYS vs Finance Sector
How FIRST KEYSTONE CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FKYS Overvalued or Undervalued?
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.
FKYS Balance Sheet & Liquidity
FKYS 5-Year Financial Trend & Growth Analysis
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 $0.91 reflects profitable operations.
FKYS Growth Metrics (YoY)
FKYS Capital Allocation
FKYS SEC 10-K & 10-Q Filing 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 an AI rating of HOLD with 45% 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.
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.
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 March 2026, FIRST KEYSTONE CORP has a HOLD rating with 45% 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).