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1st Summit Bancorp of Johnstown Inc (FSMK)
OTHER OTC:FSMK
US Market
FSMK
1st Summit Bancorp of Johnstown
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1st Summit Bancorp of Johnstown (FSMK) Ratios

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1st Summit Bancorp of Johnstown Ratios

FSMK's free cash flow for Q2 2026 was $0.59. For the 2026 fiscal year, FSMK's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.12 1.17 0.02 0.02 0.26
Quick Ratio
 0.12 1.17 0.02 0.02 0.26
Cash Ratio
 0.08 0.86 0.01 0.02 <0.01
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 0.50 <0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.50 0.04 0.10 0.23
Net Current Asset Value
$ -1.40B$ -1.39B$ -1.30B$ -1.26B$ -944.52M
Leverage Ratios
Debt-to-Assets Ratio
 0.15 0.13 0.07 0.05 0.07
Debt-to-Equity Ratio
 2.08 1.77 1.12 0.74 0.92
Debt-to-Capital Ratio
 0.68 0.64 0.53 0.42 0.48
Long-Term Debt-to-Capital Ratio
 0.42 0.60 0.33 0.06 0.22
Financial Leverage Ratio
 13.88 13.96 15.06 13.52 13.44
Debt Service Coverage Ratio
 0.05 0.14 0.05 0.05 0.23
Interest Coverage Ratio
 0.29 0.18 0.08 0.07 2.35
Debt to Market Cap
 2.38 2.16 1.72 0.44 0.60
Interest Debt Per Share
 122.76 105.57 63.26 45.70 46.16
Net Debt to EBITDA
 23.95 25.74 21.84 15.07 4.72
Profitability Margins
Gross Profit Margin
57.42%55.21%51.48%56.78%83.54%
EBIT Margin
12.31%7.95%3.96%3.06%26.97%
EBITDA Margin
12.31%9.87%6.02%7.00%33.61%
Operating Profit Margin
12.31%7.95%3.96%3.06%37.05%
Pretax Profit Margin
12.31%7.95%3.96%3.06%25.26%
Net Profit Margin
11.02%7.64%4.79%4.55%22.22%
Continuous Operations Profit Margin
11.02%7.64%4.79%4.55%22.22%
Net Income Per EBT
89.54%96.16%120.90%148.74%87.97%
EBT Per EBIT
100.00%100.00%100.00%100.00%68.16%
Return on Assets (ROA)
0.53%0.35%0.23%0.19%0.85%
Return on Equity (ROE)
7.59%4.91%3.40%2.61%11.37%
Return on Capital Employed (ROCE)
0.66%0.37%1.28%0.27%13.80%
Return on Invested Capital (ROIC)
0.53%0.35%1.02%0.24%8.40%
Return on Tangible Assets
0.54%0.35%0.23%0.19%0.85%
Earnings Yield
8.82%6.31%5.63%1.61%7.62%
Efficiency Ratios
Receivables Turnover
 13.73 13.13 13.00 11.65 10.78
Payables Turnover
 0.00 7.15 7.14 7.62 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.87 2.64 3.16 3.27 3.30
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.11 -0.12 -0.07 -0.07 -0.06
Cash Conversion Cycle
 26.58 -23.26 -23.03 -16.57 33.86
Days of Sales Outstanding
 26.58 27.81 28.07 31.32 33.86
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 51.07 51.10 47.89 0.00
Operating Cycle
 26.58 27.81 28.07 31.32 33.86
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 4.02 1.00 3.03 6.62
Free Cash Flow Per Share
 0.00 0.55 0.67 1.73 5.79
CapEx Per Share
 0.00 3.47 0.33 1.30 0.83
Free Cash Flow to Operating Cash Flow
 0.00 0.14 0.67 0.57 0.87
Dividend Paid and CapEx Coverage Ratio
 0.00 0.77 0.49 1.00 2.61
Capital Expenditure Coverage Ratio
 0.00 1.16 3.03 2.33 7.99
Operating Cash Flow Coverage Ratio
 0.00 0.04 0.02 0.09 0.16
Operating Cash Flow to Sales Ratio
 0.00 0.12 0.03 0.11 0.28
Free Cash Flow Yield
0.00%1.37%2.57%2.30%8.39%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.35 15.87 17.81 61.98 13.12
Price-to-Sales (P/S) Ratio
 1.25 1.21 0.85 2.82 2.92
Price-to-Book (P/B) Ratio
 0.84 0.78 0.60 1.62 1.49
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 72.78 38.86 43.39 11.92
Price-to-Operating Cash Flow Ratio
 0.00 9.96 26.02 24.75 10.43
Price-to-Earnings Growth (PEG) Ratio
 0.22 0.22 0.86 -0.81 6.77
Price-to-Fair Value
 0.84 0.78 0.60 1.62 1.49
Enterprise Value Multiple
 34.11 38.02 35.97 55.32 13.40
Enterprise Value
 310.90M 262.13M 144.34M 225.43M 233.32M
EV to EBITDA
 34.11 38.02 35.97 55.32 13.40
EV to Sales
 4.20 3.75 2.17 3.87 4.50
EV to Free Cash Flow
 0.00 225.39 98.93 59.64 18.41
EV to Operating Cash Flow
 0.00 30.84 66.24 34.02 16.10
Tangible Book Value Per Share
 51.72 51.20 42.93 46.25 46.08
Shareholders’ Equity Per Share
 51.88 51.36 43.08 46.41 46.26
Tax and Other Ratios
Effective Tax Rate
 0.10 0.04 -0.21 -0.49 0.12
Revenue Per Share
 34.95 33.01 30.57 26.62 23.67
Net Income Per Share
 3.85 2.52 1.46 1.21 5.26
Tax Burden
 0.90 0.96 1.21 1.49 0.88
Interest Burden
 1.00 1.00 1.00 1.00 0.94
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.15 0.02 0.02 0.02 0.34
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 1.59 0.68 2.50 1.26
Currency in USD