First Keystone Corp - Understand $fkys stock

$FKYS Market Cap: $99.44 Million

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Financial Snapshot

Revenue

$52.78M

TTM

Gross Margin

Net Earnings

-$13.71M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.439B

Q3 2024

Total Liabilities

$1.331B

Q3 2024

Book Value

$107.3M

Q3 2024

Cash

$24.02M

Q3 2024

P/E

-7.254

Nov 29, 2024 EST

Free Cash Flow

$7.837M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Revenue	$56.99M	$46.41M	$42.05M	$39.57M	$38.53M	$35.57M	$32.27M	$31.64M	$31.71M	$31.02M	$30.96M	$34.94M	$37.03M	$38.15M
YoY Change	22.78%	10.38%	6.27%	2.7%	8.3%	10.24%	1.98%	-0.21%	2.23%	0.19%	-11.38%	-5.65%	-2.95%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$56.99M	$46.41M	$42.05M	$39.57M	$38.53M	$35.57M	$32.27M	$31.64M	$31.71M	$31.02M	$30.96M	$34.94M	$37.03M	$38.15M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$798.0K	$1.026M	$1.008M	$1.041M	$1.112M	$1.141M	$1.197M	$1.264M	$1.271M	$1.279M	$1.151M	$1.023M	$947.0K	$980.0K	$760.0K	$710.0K	$660.0K	$540.0K	$550.0K	$670.0K	$490.0K	$450.0K	$390.0K	$410.0K	$390.0K	$350.0K
YoY Change	-22.22%	1.79%	-3.17%	-6.38%	-2.54%	-4.68%	-5.3%	-0.55%	-0.63%	11.12%	12.51%	8.03%	-3.37%	28.95%	7.04%	7.58%	22.22%	-1.82%	-17.91%	36.73%	8.89%	15.38%	-4.88%	5.13%	11.43%	16.67%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$27.87M	$8.913M	$5.148M	$6.360M	$10.24M	$8.620M	$6.548M	$5.282M	$4.966M	$4.452M	$4.954M	$6.514M	$9.405M	$12.74M
YoY Change	212.71%	73.14%	-19.06%	-37.91%	18.83%	31.64%	23.97%	6.36%	11.55%	-10.13%	-23.95%	-30.74%	-26.19%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Pretax Income	$6.244M	$16.32M	$17.01M	$13.41M	$11.34M	$9.670M	$10.10M	$11.32M	$11.14M	$12.83M	$12.50M	$12.18M	$12.46M	$11.32M	$9.220M	$8.950M	$7.520M	$7.380M	$8.210M	$8.450M	$8.900M	$8.440M	$6.920M	$6.320M	$6.360M	$6.200M
YoY Change	-61.74%	-4.06%	26.8%	18.28%	17.28%	-4.29%	-10.73%	1.56%	-13.14%	2.64%	2.64%	-2.27%	10.03%	22.81%	3.02%	19.02%	1.9%	-10.11%	-2.84%	-5.06%	5.45%	21.97%	9.49%	-0.63%	2.58%	3.85%
Income Tax	$684.0K	$2.294M	$2.321M	$1.577M	$1.114M	$459.0K	$1.455M	$1.845M	$1.971M	$2.617M	$2.225M	$2.006M	$2.552M	$2.362M	$1.280M	$1.390M	$1.390M	$1.190M	$1.360M	$1.660M	$1.950M	$1.860M	$1.490M	$1.110M	$1.200M	$1.310M
% Of Pretax Income	10.95%	14.06%	13.65%	11.76%	9.82%	4.75%	14.4%	16.3%	17.69%	20.4%	17.8%	16.48%	20.48%	20.86%	13.88%	15.53%	18.48%	16.12%	16.57%	19.64%	21.91%	22.04%	21.53%	17.56%	18.87%	21.13%
Net Earnings	$5.560M	$14.02M	$14.69M	$11.84M	$10.23M	$9.211M	$8.648M	$9.472M	$9.172M	$10.21M	$10.27M	$10.17M	$9.907M	$8.961M	$7.940M	$7.550M	$6.130M	$6.190M	$6.850M	$6.790M	$6.950M	$6.590M	$5.430M	$5.210M	$5.160M	$4.890M
YoY Change	-60.35%	-4.52%	24.09%	15.74%	11.03%	6.51%	-8.7%	3.27%	-10.18%	-0.6%	1.01%	2.65%	10.56%	12.86%	5.17%	23.16%	-0.97%	-9.64%	0.88%	-2.3%	5.46%	21.36%	4.22%	0.97%	5.52%	4.94%
Net Earnings / Revenue	9.76%	30.22%	34.93%	29.92%	26.55%	25.89%	26.8%	29.93%	28.92%	32.92%	33.18%	29.11%	26.76%	23.49%
Basic Earnings Per Share	$0.91	$2.35	$2.49	$2.03	$1.77	$1.60	$1.52	$1.68	$1.64	$1.84	$1.87	$1.86	$1.82	$1.65
Diluted Earnings Per Share	$0.92	$2.35	$2.49	$2.03	$1.77	$1.60	$1.52	$1.68	$1.64	$1.84	$1.87	$1.86	$1.82	$1.65	$1.460M	$1.388M	$1.310M	$1.352M	$1.483M	$1.470M	$1.495M	$1.405M	$1.158M	$1.111M	$1.091M	$1.010M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$21.08M	$20.57M	$19.20M	$19.70M	$20.90M	$19.90M	$20.60M	$19.20M	$20.10M	$20.90M	$21.50M	$19.40M	$12.70M	$11.80M	$11.50M	$9.200M	$8.500M	$5.000M	$5.100M	$5.400M	$4.200M	$3.400M	$3.300M	$3.600M	$3.900M	$3.800M
YoY Change	2.52%	7.11%	-2.54%	-5.74%	5.03%	-3.4%	7.29%	-4.48%	-3.83%	-2.79%	10.82%	52.76%	7.63%	2.61%	25.0%	8.24%	70.0%	-1.96%	-5.56%	28.57%	23.53%	3.03%	-8.33%	-7.69%	2.63%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$8.695M	$9.129M			$0.00	$1.500M	$900.0K	$2.800M	$700.0K	$0.00	$2.100M	$0.00	$0.00	$2.700M	$3.500M
YoY Change	-4.75%				-100.0%	66.67%	-67.86%	300.0%		-100.0%			-100.0%	-22.86%
Total Long-Term Assets
YoY Change
Total Assets	$1.416B	$1.329B	$1.320B	$1.179B	$1.007B	$1.012B	$990.1M	$984.3M	$983.5M	$912.4M	$901.5M	$820.0M	$818.5M	$796.6M	$758.3M	$714.9M	$681.2M	$525.9M	$512.4M	$497.6M	$481.8M	$439.5M	$393.5M	$360.3M	$333.5M	$303.0M
YoY Change
Accounts Payable	$2.823M	$563.0K	$300.0K	$400.0K	$600.0K	$800.0K	$500.0K	$400.0K	$400.0K	$400.0K	$400.0K	$2.900M	$2.900M	$3.000M	$3.100M	$3.500M	$3.500M	$2.600M	$2.400M	$1.900M	$1.700M	$1.600M	$2.100M	$2.200M	$1.800M	$1.500M
YoY Change	401.42%	87.67%	-25.0%	-33.33%	-25.0%	60.0%	25.0%	0.0%	0.0%	0.0%	-86.21%	0.0%	-3.33%	-3.23%	-11.43%	0.0%	34.62%	8.33%	26.32%	11.76%	6.25%	-23.81%	-4.55%	22.22%	20.0%
Accrued Expenses	$1.976M	$2.029M	$1.500M	$1.500M	$1.700M
YoY Change	-2.61%	35.27%	0.0%	-11.76%
Deferred Revenue
YoY Change
Short-Term Debt	$19.71M	$20.37M	$27.40M	$19.50M	$14.00M	$13.00M	$22.80M	$18.50M	$20.80M	$16.70M	$68.20M	$17.10M	$18.10M	$21.00M	$17.50M	$23.10M	$17.80M	$17.20M	$28.20M	$15.50M	$11.70M	$9.100M	$11.60M	$8.600M	$31.60M	$6.600M
YoY Change	-3.24%	-25.66%	40.51%	39.29%	7.69%	-42.98%	23.24%	-11.06%	24.55%	-75.51%	298.83%	-5.52%	-13.81%	20.0%	-24.24%	29.78%	3.49%	-39.01%	81.94%	32.48%	28.57%	-21.55%	34.88%	-72.78%	378.79%
Long-Term Debt Due								$100.0K
YoY Change
Total Short-Term Liabilities	$24.51M	$2.592M	$1.800M	$1.900M	$2.300M	$800.0K	$500.0K	$500.0K	$400.0K	$400.0K	$400.0K	$2.900M	$2.900M	$3.000M	$3.100M	$3.500M	$3.500M	$2.600M	$2.400M	$1.900M	$1.700M	$1.600M	$2.100M	$2.200M	$1.800M	$1.500M
YoY Change	845.52%	44.0%	-5.26%	-17.39%	187.5%	60.0%	0.0%	25.0%	0.0%	0.0%	-86.21%	0.0%	-3.33%	-3.23%	-11.43%	0.0%	34.62%	8.33%	26.32%	11.76%	6.25%	-23.81%	-4.55%	22.22%	20.0%
Long-Term Debt	$25.00M	$25.01M	$25.00M	$25.00M	$0.00	$0.00	$0.00	$0.00	$200.0K	$300.0K	$40.40M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-0.02%	0.02%	0.0%					-100.0%	-33.33%	-99.26%
Other Long-Term Liabilities	$8.549M	$9.293M	$4.100M	$3.800M	$4.500M	$3.500M	$3.500M	$3.800M	$3.300M	$5.400M	$6.000M	$5.300M	$3.000M	$300.0K	$100.0K	$200.0K	$300.0K	$200.0K	$100.0K	$2.000M	$11.10M	$3.200M	$200.0K	$200.0K	$100.0K	$1.000M
YoY Change	-8.01%	126.66%	7.89%	-15.56%	28.57%	0.0%	-7.89%	15.15%	-38.89%	-10.0%	13.21%	76.67%	900.0%	200.0%	-50.0%	-33.33%	50.0%	100.0%	-95.0%	-81.98%	246.88%	1500.0%	0.0%	100.0%	-90.0%
Total Long-Term Liabilities	$33.55M	$34.30M	$29.10M	$28.80M	$4.500M	$3.500M	$3.500M	$3.800M	$3.500M	$5.700M	$46.40M	$5.300M	$3.000M	$300.0K	$100.0K	$200.0K	$300.0K	$200.0K	$100.0K	$2.000M	$11.10M	$3.200M	$200.0K	$200.0K	$100.0K	$1.000M
YoY Change	-2.19%	17.87%	1.04%	540.0%	28.57%	0.0%	-7.89%	8.57%	-38.6%	-87.72%	775.47%	76.67%	900.0%	200.0%	-50.0%	-33.33%	50.0%	100.0%	-95.0%	-81.98%	246.88%	1500.0%	0.0%	100.0%	-90.0%
Total Liabilities	$1.294B	$1.209B	$1.172B	$1.035B	$878.5M	$895.2M	$873.4M	$874.6M	$875.1M	$806.1M	$805.2M	$716.6M	$725.5M	$717.5M	$684.2M	$645.8M	$610.3M	$472.5M	$459.0M	$444.3M	$430.5M	$390.4M	$353.8M	$323.7M	$304.2M	$269.3M
YoY Change	7.07%	3.16%	13.24%	17.79%	-1.87%	2.5%	-0.14%	-0.06%	8.56%	0.11%	12.36%	-1.23%	1.11%	4.87%	5.95%	5.82%	29.16%	2.94%	3.31%	3.21%	10.27%	10.34%	9.3%	6.41%	12.96%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	6.054M	5.974M	5.908M	5.841M	5.784M	5.737M	5.689M	5.640M shares	5.588M shares	5.538M shares	5.481K shares
Diluted Shares Outstanding						5.737M	5.689M	5.640M shares	5.588M shares	5.538M shares	5.481K shares	5.455M shares	5.456M shares	5.444M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $99.438 Million

About FIRST KEYSTONE CORP

First Keystone Corp. is a bank holding company, which engages in the provision of community banking services through its subsidiary. The company is headquartered in Berwick, Pennsylvania and currently employs 212 full-time employees. The firm operates, through its subsidiary, First Keystone Community Bank (the Bank), which has a commercial banking operation and a trust department as its lines of business. The Bank is a full-service commercial bank providing a range of services to individuals and small to medium-sized businesses in its Northeastern Pennsylvania market area. The Bank’s commercial banking activities include accepting time, demand and savings deposits and making secured and unsecured commercial, real estate, agricultural and consumer loans. Additionally, the Bank provides personal and corporate trust and agency services to individuals, corporations and others, including trust investment accounts, investment advisory services, mutual funds, estate planning, and management of pension and profit-sharing plans. The area served by the Bank includes a mix of rural communities, small to mid-sized towns and cities.

Industry: State Commercial Banks Peers: Avidbank Holdings, Inc. Citizens Community Bancorp Inc. EAGLE FINANCIAL SERVICES INC FIRST COMMUNITY CORP /SC/ First Financial Northwest, Inc. LANDMARK BANCORP INC Pathfinder Bancorp, Inc. PNC FINANCIAL SERVICES GROUP, INC.