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1st Summit Bancorp of Johnstown
(OTC:FSMK)
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Rating:62Neutral
Price Target:
$41.00
▼(-4.16% Downside)
Action:Downgraded
Date:04/08/26
The score is held back primarily by average financial performance driven by higher leverage and inconsistent cash-flow conversion despite improved 2025 results. Offsetting this, the technical setup is constructive with positive momentum and the valuation is supported by a reasonable P/E and a solid dividend yield.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
1st Summit Bancorp of Johnstown (FSMK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$96.07M
Dividend Yield3.9%
Average Volume (3M)945.00
Price to Earnings (P/E)11.5
Beta (1Y)0.21
Revenue Growth11.81%
EPS Growth44.78%
CountryUS
Employees201
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.85
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 Cap2.87
Enterprise Value/Revenue3.72
Enterprise Value/Gross Profit6.48
Enterprise Value/Ebitda30.23
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
1st Summit Bancorp of Johnstown Business Overview & Revenue Model
Company Description
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 indi...
How the Company Makes Money
FSMK primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from interest and fees earned on loans and other interest-earning assets (such as investment securiti...
1st Summit Bancorp of Johnstown Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
52
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 74.04M | 69.85M | 66.66M | 58.21M | 57.04M | 48.21M |
| Gross Profit | 42.51M | 38.56M | 34.31M | 33.05M | 48.52M | 39.60M |
| EBITDA | 9.12M | 6.89M | 4.01M | 4.08M | 22.64M | 17.29M |
| Net Income | 8.16M | 5.34M | 3.19M | 2.65M | 11.51M | 11.30M |
Balance Sheet | ||||||
| Total Assets | 1.53B | 1.52B | 1.42B | 1.37B | 1.36B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 10.63M | 14.62M | 17.98M | 13.35M | 311.16M | 350.60M |
| Total Debt | 228.98M | 192.10M | 105.61M | 74.77M | 92.92M | 50.02M |
| Total Liabilities | 1.42B | 1.41B | 1.32B | 1.27B | 1.26B | 1.20B |
| Stockholders Equity | 109.90M | 108.69M | 93.96M | 101.49M | 101.28M | 129.14M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.16M | 1.46M | 3.78M | 12.67M | 13.44M |
| Operating Cash Flow | 0.00 | 8.50M | 2.18M | 6.63M | 14.49M | 14.63M |
| Investing Cash Flow | 0.00 | -94.19M | -34.59M | -6.13M | -81.01M | -72.40M |
| Financing Cash Flow | 0.00 | 82.33M | 37.04M | 2.17M | 62.66M | 60.11M |
1st Summit Bancorp of Johnstown Technical Analysis
Positive
42.78
Price Trends
41.36
Positive
39.75
Positive
37.96
Positive
Market Momentum
0.77
Negative
64.08
Neutral
78.35
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSMK, the sentiment is Positive. The current price of 42.78 is below the 20-day moving average (MA) of 43.12, above the 50-day MA of 41.36, and above the 200-day MA of 37.96, indicating a bullish trend. The MACD of 0.77 indicates Negative momentum. The RSI at 64.08 is Neutral, neither overbought nor oversold. The STOCH value of 78.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSMK.
1st Summit Bancorp of Johnstown Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $90.00M | 12.13 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $70.15M | 30.70 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $96.07M | 11.49 | 7.59% | 4.02% | 11.81% | 44.78% | |
51 Neutral | $111.78M | -4.54 | -7.74% | ― | 10.60% | -935.88% |
* Financial Sector Average
FSMK
1st Summit Bancorp of Johnstown
44.13
19.30
77.74%
BYFC
Broadway Financial
12.31
4.30
53.68%
FUSB
First US Bancshares
16.38
4.18
34.22%
FSEA
First Seacoast Bancorp
17.18
5.68
49.43%
CLST
Catalyst Bancorp
17.50
4.67
36.40%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.