First Keystone Corporation (FKYS): fair value, margin of safety and Wheel Score

Is FKYS undervalued?

At 19.14 (close of 5 Nov 2026), FKYS trades within a few percent of the GLS average fair value of 18.60 (2.9% above fair value). 8 models produced a value and they split 4 above the price to 4 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.

There is a wide gap between GLS Growth (3.73) and 10 Cap (34.34). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for FKYS, so the nightly engine files it under Blend (value score 55, growth score 35, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).

Nine valuation models for FKYS

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

First Keystone Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 3.4/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.

Returns on capital are thin or negative - ROIC 1.6%, ROE 5.4%, ROA 0.4% - with debt at 2.39 times equity and a free-cash-flow yield of 8.0%. Debt of 2.39 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.

The dividend yield is high at 5.85% (payout ratio 65%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Banking 65%, Fiduciary And Trust 35% (quarter Q2 FY2026).

Institutional ownership scores 5/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 17: No options

No options are listed on First Keystone Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 17, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 1k shares a day on a market cap of $125M, with a beta of 0.32 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for FKYS in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to First Keystone Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

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