Stock fact sheet · data as of
First Keystone Corporation (FKYS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is FKYS undervalued?
At 19.99 (close of 16 Oct 2026), FKYS trades within a few percent of the GLS average fair value of 18.60 (7.5% 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.
The nightly engine files FKYS under High Yield Income: a dividend yield above 4%.
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 23.36 | +17% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 20.55 | +3% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.09 | -75% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.73 | -81% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 34.34 | +72% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 31.07 | +55% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 16.48 | -18% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 14.15 | -29% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -154.09 | -871% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
First Keystone Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. 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 ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, 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 7.7%. 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 5.60% (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.
| Piotroski F-score | 6 / 9 | ROIC | 1.6% |
|---|---|---|---|
| GLS Moat | 3.4 / 10 | ROE | 5.4% |
| Debt / equity | 2.39 | ROA | 0.4% |
| Free-cash-flow yield | 7.7% | Payout ratio | 65% |
| Institutions | 5 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 34: No options
No options are listed on First Keystone Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 34) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $131M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 9 / 25 | -7% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 5 / 15 | moat 3.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $131M cap, beta 0.32 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score 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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SOMC Southern Michigan Bancorp, Inc. | 28.90 | 51.55 | +44% | 39No options | $130M |
| MGYR Magyar Bancorp, Inc. | 19.89 | 34.82 | +43% | 39No options | $128M |
| FGBIP First Guaranty Bancshares, Inc. | 17.05 | 28.32 | +40% | 39No options | $134M |
| FGBI First Guaranty Bancshares, Inc. | 8.16 | 31.36 | +74% | 39No options | $135M |
| SRBK SR Bancorp, Inc. Common stock | 18.49 | 29.00 | +36% | 39No options | $135M |
| PPBN Pinnacle Bankshares Corporation | 62.50 | 114.67 | +45% | 39No options | $136M |
| CCNB Coastal Carolina Bancshares, Inc. | 18.09 | 38.23 | +53% | 39No options | $136M |
| HYNE Hoyne Bancorp, Inc. Common Stock | 16.80 | 0.8980 | -1771% | 24No options | $125M |
| BOTJ Bank of the James Financial Group, Inc. | 26.99 | 33.57 | +20% | 39No options | $123M |
| CWBK CW Bancorp | 41.74 | 110.97 | +62% | 39No options | $122M |
| PONT Pontiac Bancorp, Inc. | 680.00 | 811.82 | +16% | 39No options | $141M |
| FFDF FFD Financial Corporation | 48.53 | 75.95 | +36% | 39No options | $141M |
⚖ Compare FKYS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FKYS
Is FKYS undervalued right now?
Not meaningfully: at 19.99 the stock trades within a few percent of the GLS average fair value of 18.60 (7.5% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of FKYS and what does it mean?
FKYS has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for FKYS?
18.60 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does First Keystone Corporation report earnings next?
No upcoming earnings date is recorded for FKYS in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does FKYS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FKYS, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.