First Keystone's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of First Keystone (FKYS) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: First Keystone vs Its Competitors
- TTM: Trailing 12-month revenue of 43M vs 2,541M combined for tracked competitors (1.7% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+18.6% annualized vs trailing 12 months), vs decelerating (-6.0%) for its tracked peer group.
- Growth: First Keystone generated 10.6% revenue growth year over year in Q2 2026, vs 3.9% for its tracked competitors combined.
- Profitability: Its 29.6% net margin compares with -16.0% for the peer group.
- Scale: First Keystone ranks #175 of 216 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: First Keystone accounted for 2.1% of combined revenue among its tracked peer group, up from 2.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.20M compares with $0.12M for the peer group (1.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FKYS Sales vs. its Competitors, Q2 2026
First Keystone reported revenue growth of 10.57 % year on year in Q2 2026, above its competitors' combined revenue growth of 3.87 %.
With a net margin of 29.60 %, First Keystone achieved higher profitability than its competitors (-16.03 %).
First Keystone generated 2.09 % of the combined sales of its peer group, up from 1.97 % a year earlier.
First Keystone vs. its Competitors, Q2 2026
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across First Keystone and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| First Keystone Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (3) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (8) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across First Keystone's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 10.6% for First Keystone. First Keystone's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
First Keystone's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| First Keystone Corporation | Yes | Yes | No | Yes |
| Competitors combined (13) | ||||
| High-Confidence Competitors (6) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FKYS Stock Performance relative to its Competitors
FKYS Stock Performance relative to High-Confidence Competitors
FKYS Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Ameriserv Financial Inc | 282.9% | Outperformed |
| 2 | Acnb Corporation | 282.9% | Outperformed |
| 3 | Univest Financial Corporation | 282.9% | Outperformed |
| 4 | Citizens and Northern Corporation | 282.9% | Outperformed |
| 5 | Franklin Financial Services Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for First Keystone's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
First Keystone's Comment on Competition and Industry Peers
• First Columbia Bank & Trust Co.
• PNC Bank, N.A.
• M & T Bank
• FNB Bank, N.A.
• Wells Fargo Bank
• National Penn Bank
• Citizens Savings Bank
• ESSA Bank & Trust
• First National Community Bank
• Service 1st FCU
• Jersey Shore State Bank
• Community Bank, N.A.
• Valor FCU
The Bank is generally competitive with all competing financial institutions in its service area with respect to interest rates paid on time and savings deposits, service charges on deposit accounts and interest rates charged on loans.
Publicly Traded Peers of First Keystone Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| First Keystone Corporation | 117.75 | 43.05 |
| Banc Of California Inc | 2,784.20 | 1,016.11 |
| Univest Financial Corporation | 1,173.65 | 334.66 |
| Mid Penn Bancorp Inc | 925.57 | 263.71 |
| Orrstown Financial Services Inc | 819.45 | 255.38 |
| Acnb Corporation | 649.96 | 171.29 |
| SUBTOTAL | 8,242.09 | 2,650.56 |
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Sources: First Keystone Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on First Keystone Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
First Keystone's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Community Bank, N.A. | Named by the company | 85% |
| Fidelity Deposit and Discount Bank | Named by the company | 85% |
| Fulton Bank, N.A. | Named by the company | 85% |
| Luzerne Bank | Named by the company | 85% |
| Susquehanna Community Bank | Named by the company | 85% |
| AgChoice Farm Credit, ACA | Named by the company | 85% |
| Embassy Bank for the Lehigh Valley | Named by the company | 85% |
| FNCB Bank | Named by the company | 85% |
| Journey Bank | Named by the company | 85% |
| Peoples | Named by the company | 85% |
| Dime Bank | Named by the company | 85% |
| First National Bank of PA | Named by the company | 85% |
| Honesdale National Bank | Named by the company | 85% |
| M & T Bank | Named by the company | 85% |
| Wayne Bank | Named by the company | 85% |
| Citizens Bank | Named by the company | 85% |
| ESSA Bank & Trust | Named by the company | 85% |
| Fulton Bank | Named by the company | 85% |
| Landmark Community Bank | Named by the company | 85% |
| Peoples Security Bank | Named by the company | 85% |
| AgChoice Farm Credit | Named by the company | 85% |
| Embassy Bank | Named by the company | 85% |
| First Northern Bank & Trust | Named by the company | 85% |
| Jersey Shore State Bank | Named by the company | 85% |
| NBT Bank, N.A. | Named by the company | 85% |
| First Columbia Bank & Trust Co. | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for First Keystone's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
First Keystone's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| First Keystone Corporation | 118 | 204,995 | 37,719 |
| Banc Of California Inc | 2,784 | 533,670 | -11,752 |
| Univest Financial Corporation | 1,174 | 348,604 | 126,440 |
| Mid Penn Bancorp Inc | 926 | 356,366 | 92,082 |
| Orrstown Financial Services Inc | 819 | 391,689 | 132,397 |
| Acnb Corporation | 650 | 318,972 | 101,661 |
| PEERS TOTAL | 8,124 | 121,094 | 20,125 |
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First Keystone's Business Segment Mix vs Peers
Revenue by operating segment, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Univest Financial Corporation | Banking1 85.57 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
First Keystone's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in First Keystone's industry classification, broader than the peer set above. Market cap in millions of $.First Keystone ranks #175 of 198 companies by market capitalization in its industry, holding 0.02 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 524, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,753 | 15.06 % |
| 2 | Deutsche Bank Aktiengesellschaft | 73,058 | 9.50 % |
| 3 | State Street Corp | 50,855 | 6.62 % |
| 4 | Fifth Third Bancorp | 47,474 | 6.18 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 175 | First Keystone Corporation | 118 | 0.02 % |
Market cap and industry share for the rest of First Keystone's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-25.
First Keystone's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 170 | Sr Bancorp Inc | 147 | 27.12 % |
| 171 | F and m Bank Corp | 145 | 55.69 % |
| 172 | Rhinebeck Bancorp inc | 140 | 9.70 % |
| 173 | Security Federal Corp | 139 | - |
| 174 | Bank Of The James Financial Group Inc | 1,234 | 12.3% |
| 175 | First Keystone Corporation | 118 | 9.61 % |
| 176 | New Peoples Bankshares Inc | 1,234 | 12.3% |
| 177 | Cullman Bancorp Inc | 1,234 | 12.3% |
| 178 | Winchester Bancorp Inc | 1,234 | 12.3% |
| 179 | Union Bankshares Inc | 1,234 | 12.3% |
| 180 | Bogota Financial Corp | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of First Keystone's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
First Keystone's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 64.14 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 94.34 % | 49.90 % (avg) | +44.4 pp |
| Capital Intensity (Capex / Revenue) | - | 3.18 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
First Keystone's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.6x | 15.6x | -0.9x |
| EV / EBITDA | 5.5x | 6.2x | -0.7x |
| P/B | 1.0x | 1.3x | -0.3x |
| Return on Equity | 6.92 % | industry aggregate | -3.96 % |
| Return on Invested Capital | - | 3.20 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
First Keystone's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -0.13 % | 2.19 % | 7.58 % | 9.37 % | 14.06 % | -17.65 % | 5.66 % | 7.41 % |
| Operating Margin | 31.95 % | 29.92 % | 32.62 % | 35.28 % | 39.22 % | 17.59 % | -33.56 % | 15.80 % |
| Return on Invested Capital | 3.35 % | 3.44 % | 3.72 % | 4.01 % | 4.68 % | 0.43 % | -1.04 % | 0.93 % |
| P/E | 18.4x | 14.5x | 13.2x | 9.6x | 9.8x | 16.7x | - | 18.0x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
First Keystone's BCG Growth-Share Matrix
Relative market share (vs First Keystone's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) — a common framework, not a precision instrument.
First Keystone falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
First Keystone's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 524 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See First Keystone's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See First Keystone's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
First Keystone's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
First Keystone falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
First Keystone's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) — not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+18.6% annualized vs trailing 12 months).
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
- A meaningful share of tracked competitors (30.80 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-6.0% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
First Keystone's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| First Keystone Corporation | 0.04 | 0.09 | 1.40 |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| Univest Financial Corporation | 0.01 | 0.27 | 0.19 |
| Mid Penn Bancorp Inc | 0.00 | 0.04 | 0.07 |
| Orrstown Financial Services Inc | 0.01 | 0.04 | 0.05 |
| Acnb Corporation | 0.01 | 1.12 | 0.75 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
First Keystone's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| First Keystone Corporation | Q2 2026 | +10.6 % | +29.6 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| Univest Financial Corporation | Q2 2026 | +12.0 % | +129.8 % |
| Mid Penn Bancorp Inc | Q2 2026 | +44.7 % | +355.5 % |
| Orrstown Financial Services Inc | Q2 2026 | +0.0 % | +8.8 % |
| Acnb Corporation | Q2 2026 | +30.4 % | +30.6 % |
| PEERS TOTAL | +3.7 % | - |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
First Keystone's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| First Keystone Corporation | Q2 2026 | - | +3.2 % |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| Univest Financial Corporation | Q2 2026 | -53.1 % | -20.7 % |
| Mid Penn Bancorp Inc | Q2 2026 | -76.7 % | -33.7 % |
| Orrstown Financial Services Inc | Q2 2026 | +210.1 % | -30.9 % |
| Acnb Corporation | Q2 2026 | - | - |
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First Keystone's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| First Keystone Corporation | 0.51% | 1.44% | 6.92% |
| Banc Of California Inc | - | - | - |
| Univest Financial Corporation | 1.46% | 4.02% | 12.84% |
| Mid Penn Bancorp Inc | 1.03% | 2.76% | 8.02% |
| Orrstown Financial Services Inc | 1.56% | 4.22% | 14.46% |
| Acnb Corporation | 1.67% | 4.11% | 13.02% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
First Keystone's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| First Keystone Corporation | 14.80 | 2.74 |
| Banc Of California Inc | - | 2.74 |
| Univest Financial Corporation | 12.17 | 3.51 |
| Mid Penn Bancorp Inc | 12.54 | 3.51 |
| Orrstown Financial Services Inc | 9.49 | 3.21 |
| Acnb Corporation | 12.05 | 3.79 |
| PEERS AVERAGE | 18.68 | 3.11 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.