The strong earnings beat on a YoY basis should support the stock in the near term, but the lack of consensus estimates limits comparability. Watch for Q2 loan growth trends and net interest margin commentary.
Price Chart
Executive Summary
First Keystone reported Q1 2026 net income of $1.96M, up 86% YoY, driven by higher interest income and a $1.14M decrease in provision for credit losses turning to a credit balance. EPS was $0.31, while the company maintained a $0.28 quarterly dividend. Loan balances decreased $31.6M YoY, and total deposits grew 8.2%.
Key Financial Metrics
Key Facts
- Net income of $1.96M, up 86% YoY from $1.05M in Q1 2025
- EPS of $0.31 vs $0.28 quarterly dividend
- Provision for credit losses swung to a credit of $390K from $751K expense YoY
- Total assets $1.525B, up 6.2% YoY; deposits up 8.2%
- Gross loans declined $31.6M (3.3%) to $932.6M
- Non-interest expense increased 6.1%, driven by healthcare costs and IT
Financial Impact
Net income increased $906,000 (86% YoY) to $1,959,000; EPS $0.31.
Risk Factors
- Loan portfolio shrinkage (-3.3% YoY) could pressure future interest income
- Higher deposit costs (retail CD expense up $1.17M) may compress net interest margin
- Non-interest expense growth (6.1%) outpacing non-interest income growth (3.1%)
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000737875-26-000017 |
| Document: fkys-20260430xex99d1.htm | 0000737875-26-000017 |
| Document: 0000737875-26-000017-index-headers.html | 0000737875-26-000017 |
| Document: 0000737875-26-000017-index.html | 0000737875-26-000017 |
| Document: 0000737875-26-000017.txt | 0000737875-26-000017 |
| 8-K Data (Synthetic) | 0000737875-26-000017 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 1, 2026 26d ago | 8-K | $19.23 | awaiting T+60 | — | $19.10 (−0.68%) |
Aug 3, 2026 12w ago | 8-K | $18.96 $18.86 | ▼ −0.53% | ▼ −2.31% | $19.10 (+0.74%) |
May 28, 2026 21w ago | 8-K | $18.00 $19.00 | ▲ +5.56% | ▲ +4.37% | $19.10 (+6.11%) |
May 28, 2026 21w ago | Insider Cluster | $17.99 $18.96 | ▲ +5.39% | ▲ +3.66% | $19.10 (+6.17%) |
May 26, 2026 22w ago | 8-K | $17.85 $18.95 | ▲ +6.16% | ▲ +3.44% | $19.10 (+7.00%) |
May 1, 2026 25w ago | 8-K | $19.00 $18.49 | ▼ −2.68% | ▼ −5.75% | $19.10 (+0.53%) |
Mar 4, 2026 33w ago | 8-K | $19.63 $17.99 | ▼ −8.35% | ▼ −18.44% | $19.10 (−2.70%) |
US Market Status
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