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1st Summit Bancorp of Johnstown (FSMK) Stock Price & Analysis

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FSMK Stock Chart & Stats

$43.07-$0.01(-0.02%)
At close: 4:00 PM EST
$42$43$44$45Aug 11Aug 26Sep 9Sep 22Oct 5Oct 19Nov 4
Day’s Range
$42.93 - $43.20
52-Week Range
$30.10 - $45.94
Previous Close
$43.08
Volume
N/A
Average Volume (3M)
348
Market Cap
$91.23M
Enterprise Value
$275.56T
Total Cash (Recent Filing)
$9.45M
Total Debt (Recent Filing)
$215.64M
Price to Earnings (P/E)
10.2
Beta
0.17
Next Earnings
N/A
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 01, 2026
Dividend Yield
4.03%

Bulls Say, Bears Say

Bulls Say

Revenue Growth

A durable re-acceleration in revenue during 2025 signals renewed core demand for lending and deposit services at the community bank. Sustained top-line growth supports scale economies, funding for branch and product investment, and long-term margin recovery versus prior years.

Community Banking Franchise

A focused community banking model and local branch network provide stable retail deposit funding, deep customer relationships, and niche commercial lending expertise. These structural advantages support predictable deposit stickiness and long-term borrower pipelines in its regional market.

Improved Profitability

Higher operating and net margins in 2025 reflect better cost management or yield mix and indicate potential for more durable earnings power. If maintained, improved margins can strengthen retained earnings, capital buffers, and the ability to invest in growth or absorb credit cycles.

Bears Say

Rising Leverage

Meaningfully higher leverage raises balance-sheet risk and reduces financial flexibility. Elevated debt-to-equity increases sensitivity to rate shocks and credit losses, constrains capital management choices, and can limit the firm's ability to expand lending or withstand downturns over the medium term.

Weak Cash Conversion

Thin free cash flow relative to earnings signals uneven cash conversion and reduces internal funding for dividends, loan growth, or capital buffers. Over time, unreliable operating cash generation may force reliance on external funding or constrain strategic investments.

Profitability Volatility

Modest, inconsistent ROE and historical margin volatility undermine predictability of shareholder returns and capital planning. Persistent variability limits management's ability to commit to long-term initiatives and can complicate preparation for regulatory capital or cyclical credit stress.

FSMK FAQ

What was 1st Summit Bancorp of Johnstown’s price range in the past 12 months?
1st Summit Bancorp of Johnstown lowest stock price was $30.10 and its highest was $45.94 in the past 12 months.
What is 1st Summit Bancorp of Johnstown’s market cap?
1st Summit Bancorp of Johnstown’s market cap is $91.23M.
When is 1st Summit Bancorp of Johnstown’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were 1st Summit Bancorp of Johnstown’s earnings last quarter?
1st Summit Bancorp of Johnstown released its earnings results on Jul 11, 2025. The company reported $0.552 earnings per share for the quarter.
Is 1st Summit Bancorp of Johnstown overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does 1st Summit Bancorp of Johnstown pay dividends?
1st Summit Bancorp of Johnstown pays a Quarterly dividend of $0.43 which represents an annual dividend yield of 4.03%. See more information on 1st Summit Bancorp of Johnstown dividends here
What is 1st Summit Bancorp of Johnstown’s EPS estimate?
1st Summit Bancorp of Johnstown’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does 1st Summit Bancorp of Johnstown have?
1st Summit Bancorp of Johnstown has 2,118,389 shares outstanding.
What happened to 1st Summit Bancorp of Johnstown’s price movement after its last earnings report?
1st Summit Bancorp of Johnstown reported an EPS of $0.552 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of 1st Summit Bancorp of Johnstown?
Currently, no hedge funds are holding shares in FSMK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology