earnings
confidence high
sentiment positive
materiality 0.60
First Keystone FY 2025 net income $7.6M ($1.22 EPS); up $20.8M YoY on no goodwill charge
FIRST KEYSTONE CORP
2025-FY EPS reported
$0.99
- Net income $7,622,000 ($1.22 diluted EPS) vs. a net loss in 2024 due to $19.1M goodwill impairment.
- Dividends totaled $1.12 per share for FY 2025, implying a 92% payout ratio.
- Total assets rose 7.3% to $1.53B; deposits up 8.8% with $135.7M shift into retail CDs.
- Q4 2025 had a large isolated charge-off that increased provision for credit losses by $1.27M.
- Non-interest expense fell 32.8% as 2024 had a $19.1M goodwill impairment; core expenses rose slightly.