First Keystone Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Apr '26 Apr 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	120	124	84	97	122	143	Upgrade
Market Cap Growth	28.24%	47.35%	-13.79%	-19.95%	-14.74%	18.24%	Upgrade
Last Close Price	18.99	19.54	12.41	13.56	16.13	18.24	Upgrade
PE Ratio	19.22	20.12	-	17.53	8.68	9.72	Upgrade
PS Ratio	2.99	3.09	2.25	2.75	2.83	3.29	Upgrade
PB Ratio	1.06	1.10	0.79	0.80	1.01	0.96	Upgrade
P/FCF Ratio	11.02	11.41	12.15	22.94	7.48	9.67	Upgrade
P/OCF Ratio	10.71	11.09	9.72	16.50	6.70	9.36	Upgrade
Debt / Equity Ratio	2.42	2.42	2.52	2.52	1.71	0.60	Upgrade
Debt / FCF Ratio	25.22	25.22	38.86	72.24	12.63	6.02	Upgrade
Net Debt / Equity Ratio	1.35	1.35	2.36	2.38	1.62	0.18	Upgrade
Net Debt / FCF Ratio	14.04	14.04	36.37	68.24	11.97	1.85	Upgrade
Return on Equity (ROE)	5.60%	5.60%	-11.56%	4.59%	10.43%	10.03%	Upgrade
Return on Assets (ROA)	0.42%	0.42%	-0.93%	0.40%	1.06%	1.18%	Upgrade
Earnings Yield	5.15%	4.97%	-15.72%	5.71%	11.52%	10.29%	Upgrade
FCF Yield	9.08%	8.76%	8.23%	4.36%	13.36%	10.34%	Upgrade
Dividend Yield	5.90%	5.73%	9.02%	8.26%	6.94%	5.98%	Upgrade
Payout Ratio	98.36%	98.36%	-	121.94%	47.70%	45.05%	Upgrade
Buyback Yield / Dilution	-0.91%	-0.91%	-1.92%	-1.34%	-1.12%	-1.15%	Upgrade
Total Shareholder Return	4.99%	4.82%	7.11%	6.92%	5.83%	4.83%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.