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Kish Bancorp, Inc. (KISB)

USD74.00 +3.59 (+5.10%)
US OTC Financial Services Banks - Regional
Address 4255 East Main Street 17004
Belleville, PA, US
CEO William Hayes
Website mykish.com
IPO 2000-03-14
ISIN US49771A1016

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Description

Kish Bancorp, Inc. operates as a broad-spectrum financial services enterprise, primarily serving customers throughout central Pennsylvania and its adjacent regions. The company offers an extensive array of banking solutions, which encompass diverse deposit accounts such as checking, savings, money market, and certificates of deposit, alongside specialized options like individual retirement and health savings accounts. Its lending activities are comprehensive, covering home equity, personal, and student loans, as well as financing for equipment, commercial real estate, agriculture, and professionals. Moreover, it facilitates lines of credit, letters of credit, and provides both mortgage and credit card services. Beyond traditional banking, Kish Bancorp delivers a full complement of insurance products. For individuals, these include coverage for automobiles, homes (homeowners/renters), farms, dwelling fires, floods, and recreational vehicles, among other types. Commercial clients can access policies covering property, general liability, business auto, workers' compensation, professional liability, and even specialized insurance for religious organizations and the agricultural sector. The company further enhances its offerings with trust and estate management services, coupled with a robust selection of financial planning and advisory solutions. These services span investment planning, risk management, detailed financial position analysis, retirement income strategies, and wealth transfer. Additional provisions include cash management, various card options, and business-focused solutions for retirement plans, executive compensation, employee education, group insurance, and business succession planning. Modern digital banking capabilities are also a core feature, boasting online banking, bill payment, electronic statements, and mobile options like telephone and text banking. Businesses, in particular, can benefit from payroll and collection, merchant, and remote deposit capture services. Kish Bancorp also provides travel services and actively manages investments in equity securities. Established in 1935, with its main office located in Belleville, Pennsylvania, Kish Bancorp maintained 17 branches and financial centers across five counties (Centre, Mifflin, Huntingdon, Blair, and Juniata) as of April 18, 2022. It also operated a dedicated loan production office in Hudson, Ohio.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD74.00 +3.59 (+5.10%)
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Volume Profile
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Liquidity & share structure
Average Volume
456
Beta
0.40
Float Shares
2.23M
Free Float %
73.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.81% +10.73% +27.18% +53.09% +47.62% +85.91% +87.88% +89.31% +180.16% +871.79%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
74.00
DCF (Unlevered) 269.54 +264.2%
DCF (Levered) 242.91 +228.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.25
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +96.9% Q1'26: +15.1% (vs Q1'25)
  • EPS growth
    +22.8% Q1'26: +45.5% (vs Q1'25)
  • FCF margin
    Q1'26: +60.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +20.3% (vs Q1'25)
  • ROIC
    Q1'26: +5.0% (vs Q1'25)
  • Share dilution
    +4.9% Q1'26: +0.8% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 12.21× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.37) × ERP
WACC = 35% × Ke + 65% × Kd (13.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 269.54 Current price: 74.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 B- 2/5 1/5 4/5 3/5 1/5 3/5 2/5
2026-05-18 B- 2/5 1/5 4/5 3/5 1/5 3/5 2/5
2026-05-14 B- 3/5 1/5 4/5 3/5 1/5 3/5 3/5
2026-05-05 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-04 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-01 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-28 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-27 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-22 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-21 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-20 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-17 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-16 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
19.70M
OE per share TTM
6.57
Owner's Yield
10.57%
Maintenance CapEx ratio
61.39%
Maint CapEx / Avg PPE
39.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
176.7K
Shares Outstanding
3.02M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Garen Jenco SVP, Client Experience & Marketing Director male
Gregory T. Hayes President, CEO & Director male
Kimberly A. Bubb Senior Vice President & Chief Administrative Officer female
Mark E. Yerger Executive Vice President & Chief Information Officer male
Peter D. Collins Chief Credit Officer & Executive Vice President male
Robert S. McMinn Executive Vice President, General Counsel & Secretary male
Tina Collins Senior VP, Interim CFO & Treasurer female
William Hayes Executive Chairman male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits