FIRST KEYSTONE CORP (FKYS)
State Commercial Banks · Financial Services · $113M
Intrinsic Value (Consensus)
$19.13
Current Price
$17.95
Margin of Safety
+6.6%
6.6% Below Intrinsic Value
Value: $19
Price: $18
Valuation Model Estimates
Current Price: $17.95
DCF (Discounted Cash Flow)
$27.12
Graham Number
$20.00
Earnings Power Value
$9.61
Relative Value (P/E)
$19.80
Dividend Discount Model
$5.28
Consensus Value
$19.13
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
56
Profitability
15/25
Strength
22/25
Valuation
15/25
Growth
4/25
Financial Health Signals
High free cash flow yield (9.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.99
- EPS (Forward)
- $1.04
- Book Value
- $17.96
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 5.4%
- Debt/Equity
- 49%
- Revenue Growth
- N/A
- Earnings Growth
- 5.0%
- Dividend Yield
- 1.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance