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Profile - First Keystone Financial (NasdaqNM:FKFS)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
July 25Price hit new 52-week high ($14.50)
Upcoming Events
Oct  1Dividend payment of $0.08
Location
22 West State Street
Media, PA 19063
Phone: (610) 565-6210
Fax: (610) 892-5150
Email: tmkelly@firstkeystone.com
Employees (last reported count): 76
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 61%
·Over the last 6 months:
 · 4 insider buys; 3,000  shares (0.2% of insider shares)
·Institutional: 30% (77% of float)
(15 institutions)
·Net Inst. Selling: 59.0K shares (+10.62%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
First Keystone Financial, Inc. is the sole shareholder of First Keystone Federal Savings Bank (the Bank), which is primarily engaged in attracting deposits from the general public and investing those funds, together with other available sources of funds, primarily borrowings, to originate loans. The Bank is a traditional, community-oriented federal savings bank, emphasizing customer service and convenience. A substantial portion of the Bank's deposits are comprised of core deposits, consisting of passbook, money market (MMDA), NOW and non-interest-bearing accounts. First Keystone originates residential first mortgage loans for resale into the secondary market, while retaining for its portfolio adjustable- and fixed-rate mortgage loans that complement the Bank's asset/liability strategies.
More from Market Guide: Expanded Business Description

Financial Summary
First Keystone Financial is a holding company for First Keystone Federal Savings Bank. For the nine months ended 6/30/01, total interest income rose 4% to $24 million. Net interest income after loan loss provision fell 4% to $8.3 million. Net income fell 18% to $1.9 million. Net interest income reflects an increase in interest earning assets. Earnings were offset by an increase in salaries and employee benefit and occupancy and equipment expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Donald Guthrie, 65
Pres, CEO, Director of the Company and the Bank
$297K
Thomas Kelly, 74
Exec. VP, CFO
200K
Elizabeth Mulcahy, 43
Sr. VP of HR
--  
Stephen Henderson, 43
Sr. VP and CLO
120K
Carol Walsh, 43
Sec.
--  
Dollar amounts are as of 30-Sep-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:FKFSAs of 31-Aug-2001
Price and Volume
52-Week Low
on 19-Oct-2000
$9.938
Recent Price$13.90 
52-Week High
on 25-July-2001
$14.50 
Beta0.42 
Daily Volume (3-month avg)6,409 
Daily Volume (10-day avg)7,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+37.3%
52-Week Change
relative to S&P500
+84.2%
Share-Related Items
Market Capitalization$28.3M
Shares Outstanding2.03M
Float800.0K
Dividends & Splits
Annual Dividend (indicated)$0.32 
Dividend Yield2.30%
Last Split: 2 for 1 on 5-Jan-1998
Per-Share Data
Book Value (mrq)$14.14 
Earnings (ttm)$0.91 
Earnings (mrq)$0.31 
Sales (ttm)$14.85 
Cash (mrq)$2.03 
Valuation Ratios
Price/Book (mrq)0.98 
Price/Earnings (ttm)15.31 
Price/Sales (ttm)0.94 
Income Statements
Sales (ttm)$32.0M
EBITDAN/A 
Income available to common (ttm)$1.95M
Profitability
Profit Margin (ttm)6.1%
Operating Margin (ttm)34.5%
Fiscal Year
Fiscal Year EndsSep 30
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.41%
Return on Equity (ttm)6.93%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$4.14M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
1,000 
Daily Volume0 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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