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

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FSMK Stock Chart & Stats

$36.25

$0.00(0.00%)

At close: Dec 31 4:00 PM EST

$36.25

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$25.23 - $42.97

Previous CloseN/A

Volume25.00

Average Volume (3M)945.00

Market Cap

$93.96M

Enterprise Value$275.56M

Total Cash (Recent Filing)$15.39M

Total Debt (Recent Filing)$209.42M

Price to Earnings (P/E)11.1

Beta0.15

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.02%

Share Statistics

EPS (TTM)2.67

Shares Outstanding2,195,936

10 Day Avg. Volume197

30 Day Avg. Volume945

Financial Highlights & Ratios

PEG Ratio0.22

Price to Book (P/B)0.78

Price to Sales (P/S)1.21

P/FCF Ratio72.78

Enterprise Value/Market Cap2.93

Enterprise Value/Revenue5.02

Enterprise Value/Gross Profit8.84

Enterprise Value/Ebitda43.94

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue GrowthA 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 FranchiseA 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 ProfitabilityHigher 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 LeverageMeaningfully 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 ConversionThin 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 VolatilityModest, 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 Inc’s price range in the past 12 months?

1st Summit Bancorp of Johnstown Inc lowest stock price was $25.23 and its highest was $42.97 in the past 12 months.

What is 1st Summit Bancorp of Johnstown Inc’s market cap?

1st Summit Bancorp of Johnstown Inc’s market cap is $93.96M.

When is 1st Summit Bancorp of Johnstown Inc’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were 1st Summit Bancorp of Johnstown Inc’s earnings last quarter?

1st Summit Bancorp of Johnstown Inc released its earnings results on Apr 14, 2025. The company reported $0.363 earnings per share for the quarter, beating the consensus estimate of N/A by $0.363.

Is 1st Summit Bancorp of Johnstown Inc overvalued?

According to Wall Street analysts 1st Summit Bancorp of Johnstown Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does 1st Summit Bancorp of Johnstown Inc pay dividends?

1st Summit Bancorp of Johnstown Inc pays a Quarterly dividend of $0.43 which represents an annual dividend yield of 4.02%. See more information on 1st Summit Bancorp of Johnstown Inc dividends here

What is 1st Summit Bancorp of Johnstown Inc’s EPS estimate?

1st Summit Bancorp of Johnstown Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does 1st Summit Bancorp of Johnstown Inc have?

1st Summit Bancorp of Johnstown Inc has 2,195,936 shares outstanding.

What happened to 1st Summit Bancorp of Johnstown Inc’s price movement after its last earnings report?

1st Summit Bancorp of Johnstown Inc reported an EPS of $0.363 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of 1st Summit Bancorp of Johnstown Inc?

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

1st Summit Bancorp of Johnstown Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

4.02%

Trailing 12-Months

Asset Growth

6.00%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

1st Summit Bancorp of Johnstown Inc

Serving as the parent organization for 1ST SUMMIT BANK, 1ST SUMMIT BANCORP of Johnstown, Inc. delivers a comprehensive suite of financial solutions. The bank facilitates various deposit accounts, including checking, savings, money market, and individual retirement accounts (IRAs), alongside both interest-bearing and noninterest-bearing demand and time deposits, and certificates of deposit. Its lending portfolio spans residential property, commercial real estate, general commercial, and consumer financing. Additionally, the institution provides wealth management, investment advisory, and trust administration services, issues credit and debit cards, and offers life insurance policies. With its headquarters in Johnstown, Pennsylvania, the company operates a network of 17 branch locations, extending its reach across Cambria, Somerset, Indiana, Blair, and Westmoreland counties within Pennsylvania. Founded in 1924, the corporation previously operated as SUMMIT Bancorp, Inc. until its renaming to 1ST SUMMIT BANCORP of Johnstown, Inc. in 1996.