1st Summit Bancorp of Johnstown AI Stock Analysis
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1st Summit Bancorp of Johnstown (FSMK) AI Stock Analysis
1st Summit Bancorp of Johnstown
(Other OTC:FSMK)
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.
1st Summit Bancorp of Johnstown (FSMK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $91.51M
- Dividend Yield
- 3.94%
- Average Volume (3M)
- 1,087
- Price to Earnings (P/E)
- 10.2
- Beta (1Y)
- 0.17
- Revenue Growth
- 10.86%
- EPS Growth
- 32.98%
- Country
- US
- Employees
- 201
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 individ...
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 securities)...
1st Summit Bancorp of Johnstown Financial Statement Overview
Summary
Financial quality is mixed: 2025 shows a revenue and profitability rebound (Income Statement score 63), but balance-sheet risk increased with meaningfully higher leverage and modest recent ROE (Balance Sheet score 52). Cash generation is uneven and 2025 cash conversion looks weak with thin free cash flow versus earnings (Cash Flow score 45).
Income Statement
63PositiveBalance Sheet
52NeutralCash Flow
45Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 75.30M | 69.85M | 66.66M | 58.21M | 57.04M | 48.21M |
| Gross Profit | 44.15M | 38.56M | 34.31M | 33.05M | 48.52M | 39.60M |
| EBITDA | 10.17M | 6.89M | 4.01M | 4.08M | 22.64M | 17.29M |
| Net Income | 9.01M | 5.34M | 3.19M | 2.65M | 11.51M | 11.30M |
Balance Sheet | ||||||
| Total Assets | 1.52B | 1.52B | 1.42B | 1.37B | 1.36B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 9.45M | 14.62M | 17.98M | 13.35M | 311.16M | 350.60M |
| Total Debt | 215.64M | 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 | 99.49M | 108.69M | 93.96M | 101.49M | 101.28M | 129.14M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 1.16M | 1.46M | 3.78M | 12.67M | 13.44M |
| Operating Cash Flow | 0 | 8.50M | 2.18M | 6.63M | 14.49M | 14.63M |
| Investing Cash Flow | 0 | -94.19M | -34.59M | -6.13M | -81.01M | -72.40M |
| Financing Cash Flow | 0 | 82.33M | 37.04M | 2.17M | 62.66M | 60.11M |
1st Summit Bancorp of Johnstown Technical Analysis
Price Trends
Market Momentum
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 44.06 is above the 20-day moving average (MA) of 43.23, above the 50-day MA of 43.55, and above the 200-day MA of 39.75, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 66.44 is Neutral, neither overbought nor oversold. The STOCH value of 70.25 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
Overall Rating
CLST68Neutral
FUSB65Neutral- FSMK62Neutral
BYFC51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CLST | 68Neutral | $70.08M | 24.05 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FUSB | 65Neutral | $83.59M | 11.88 | 7.58% | 1.71% | 3.74% | 43.52% |
| FSMK | 62Neutral | $93.35M | 10.16 | 8.50% | 3.94% | 10.86% | 32.98% |
| BYFC | 51Neutral | $106.89M | -4.25 | -7.74% | ― | 10.60% | -935.88% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FSMK | 1st Summit Bancorp of Johnstown | 44.06 | 14.43 | 48.70% | |
| BYFC | Broadway Financial | 11.52 | 5.23 | 83.15% | |
| FUSB | First Us Bancshares | 16.40 | 3.14 | 23.71% | |
| CLST | Catalyst Bancorp, Inc. | 17.32 | 2.57 | 17.42% |
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.
Date of analysis: Apr 08, 2026