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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 4, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	125	84	97	122	143	121
Market Cap Growth	67.55%	-13.79%	-19.95%	-14.74%	18.24%	-15.91%
Last Close Price	19.91	12.59	13.75	16.36	18.50	15.08
PE Ratio	13.66	-	17.53	8.68	9.72	10.20
PS Ratio	2.91	2.25	2.75	2.83	3.29	3.18
PB Ratio	1.11	0.79	0.80	1.01	0.96	0.84
P/FCF Ratio	12.28	13.05	22.94	7.48	9.67	-
P/OCF Ratio	11.56	10.29	16.50	6.70	9.36	-
Debt / Equity Ratio	2.41	2.53	2.52	1.71	0.60	0.63
Debt / FCF Ratio	26.58	41.87	72.24	12.63	6.02	-
Net Debt / Equity Ratio	1.10	2.36	2.38	1.62	0.18	0.46
Net Debt / FCF Ratio	12.09	39.19	68.24	11.97	1.85	-29.12
Return on Equity (ROE)	8.25%	-11.56%	4.59%	10.43%	10.03%	8.67%
Return on Assets (ROA)	0.60%	-0.93%	0.40%	1.06%	1.18%	1.08%
Earnings Yield	7.26%	-15.72%	5.71%	11.52%	10.29%	9.80%
FCF Yield	8.14%	7.66%	4.36%	13.36%	10.34%	-1.90%
Dividend Yield	5.63%	8.90%	8.14%	6.84%	5.89%	7.16%
Payout Ratio	76.87%	-	121.94%	47.70%	45.05%	53.29%
Buyback Yield / Dilution	-1.32%	-1.92%	-1.34%	-1.12%	-1.15%	-0.98%
Total Shareholder Return	4.42%	6.98%	6.80%	5.73%	4.75%	6.18%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.