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FSMK

1ST SUMMIT BANCORP of Johnstown, Inc.

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Price alert · FSMK

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43.20 USD +0.28 +0.65%
As of Oct 30, 2026
42.90 Day range 43.20
30.08 52-week range 45.53
YTD
+8.00%
1 year
+43.62%
Open
42.90
Prev close
42.92
Mkt cap
91.51M
Vol
200
Avg vol
580
EPS
4.25
P/E
10.16
More statistics
Low
42.90
High
43.20

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Financial health

Altman Z-Score

0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 1
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 15.9×
FY 2016: 11.2×FY 2017: 12.4×FY 2018: 12.6×FY 2019: 12.1×FY 2020: 13.1×FY 2021: 13.4×FY 2022: 13.1×FY 2023: 62.0×FY 2024: 17.8×FY 2025: 15.9×
FY 2016 5y median 15.9× FY 2025
P/S 1.2×
FY 2016: 3.5×FY 2017: 3.5×FY 2018: 3.0×FY 2019: 2.8×FY 2020: 2.3×FY 2021: 3.1×FY 2022: 2.6×FY 2023: 2.8×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 2.6× FY 2025
P/B 0.8×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.5×FY 2023: 1.6×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
P/FCF 72.8×
FY 2016: 9.7×FY 2017: 11.2×FY 2018: 10.4×FY 2019: 13.2×FY 2020: 10.6×FY 2021: 11.2×FY 2022: 11.9×FY 2023: 43.4×FY 2024: 38.9×FY 2025: 72.8×
FY 2016 5y median 38.9× FY 2025
EV/EBITDA 38.0×
FY 2016: 3.3×FY 2017: 4.0×FY 2018: 11.1×FY 2019: 11.3×FY 2020: 10.7×FY 2021: 10.8×FY 2022: 10.3×FY 2023: 55.3×FY 2024: 36.0×FY 2025: 38.0×
FY 2016 5y median 36.0× FY 2025
EV/Sales 3.8×
FY 2016: 3.9×FY 2017: 4.2×FY 2018: 3.6×FY 2019: 3.6×FY 2020: 2.9×FY 2021: 3.9×FY 2022: 4.1×FY 2023: 3.9×FY 2024: 2.2×FY 2025: 3.8×
FY 2016 5y median 3.9× FY 2025
FCF Yield 1.4%
FY 2016: 10.3%FY 2017: 8.9%FY 2018: 9.6%FY 2019: 7.6%FY 2020: 9.4%FY 2021: 8.9%FY 2022: 8.4%FY 2023: 2.3%FY 2024: 2.6%FY 2025: 1.4%
FY 2016 5y median 2.6% FY 2025

Profitability

Gross Margin 55.2%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 71.8%FY 2020: 72.3%FY 2021: 82.1%FY 2022: 85.1%FY 2023: 56.8%FY 2024: 51.5%FY 2025: 55.2%
FY 2016 5y median 56.8% FY 2025
Operating Margin 7.9%
FY 2016: 42.0%FY 2017: 41.5%FY 2018: 28.3%FY 2019: 25.8%FY 2020: 19.3%FY 2021: 26.7%FY 2022: 33.7%FY 2023: 3.1%FY 2024: 4.0%FY 2025: 7.9%
FY 2016 5y median 7.9% FY 2025
Net Margin 7.6%
FY 2016: 31.0%FY 2017: 28.5%FY 2018: 23.9%FY 2019: 22.7%FY 2020: 17.7%FY 2021: 23.4%FY 2022: 20.2%FY 2023: 4.5%FY 2024: 4.8%FY 2025: 7.6%
FY 2016 5y median 7.6% FY 2025
ROE 4.9%
FY 2016: 11.5%FY 2017: 10.4%FY 2018: 10.9%FY 2019: 9.7%FY 2020: 6.6%FY 2021: 8.8%FY 2022: 11.4%FY 2023: 2.6%FY 2024: 3.4%FY 2025: 4.9%
FY 2016 5y median 4.9% FY 2025
ROIC 0.4%
FY 2016: 1.1%FY 2017: 1.0%FY 2018: 1.3%FY 2019: 6.5%FY 2020: 4.8%FY 2021: 6.1%FY 2022: 8.4%FY 2023: 0.2%FY 2024: 1.3%FY 2025: 0.4%
FY 2016 5y median 1.3% FY 2025
ROA 0.4%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.7%FY 2021: 0.9%FY 2022: 0.8%FY 2023: 0.2%FY 2024: 0.2%FY 2025: 0.4%
FY 2016 5y median 0.4% FY 2025

Growth (YoY)

Revenue 4.8%
FY 2016: 1.5%FY 2017: 6.2%FY 2018: 29.6%FY 2019: 9.6%FY 2020: -6.0%FY 2021: 3.8%FY 2022: 18.3%FY 2023: 2.0%FY 2024: 14.5%FY 2025: 4.8%
FY 2016 FY 2025
Operating Income 110.2%
FY 2016: -2.8%FY 2017: 5.0%FY 2018: -11.5%FY 2019: -0.1%FY 2020: -29.6%FY 2021: 43.4%FY 2022: 49.1%FY 2023: -90.7%FY 2024: 48.5%FY 2025: 110.2%
FY 2016 FY 2025
EPS (diluted) 72.6%
FY 2016: 2.2%FY 2017: -2.4%FY 2018: 8.9%FY 2019: 4.3%FY 2020: -26.6%FY 2021: 37.6%FY 2022: 1.9%FY 2023: -77.0%FY 2024: 20.7%FY 2025: 72.6%
FY 2016 FY 2025
Free Cash Flow -20.3%
FY 2016: 7.4%FY 2017: -5.9%FY 2018: 18.1%FY 2019: -20.6%FY 2020: -1.9%FY 2021: 32.8%FY 2022: -5.7%FY 2023: -70.2%FY 2024: -61.4%FY 2025: -20.3%
FY 2016 FY 2025

Financial Health

Current Ratio 1.2×
FY 2016: 16.0×FY 2017: 1.1×FY 2018: 0.1×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.2×
FY 2016: 16.0×FY 2017: 1.1×FY 2018: 0.1×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.8×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 1.1×FY 2025: 1.8×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 25.7×
FY 2016: 0.4×FY 2017: 0.6×FY 2018: 1.9×FY 2019: 2.6×FY 2020: 2.0×FY 2021: 2.1×FY 2022: 3.6×FY 2023: 15.1×FY 2024: 21.8×FY 2025: 25.7×
FY 2016 5y median 15.1× FY 2025
Interest Coverage 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 10.2×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.9×FY 2022: 2.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 4.3%
FY 2016: 2.3%FY 2017: 2.3%FY 2018: 2.3%FY 2019: 2.5%FY 2020: 3.3%FY 2021: 2.4%FY 2022: 2.5%FY 2023: 2.3%FY 2024: 6.6%FY 2025: 4.3%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 68.4%
FY 2016: 25.9%FY 2017: 29.2%FY 2018: 29.4%FY 2019: 30.0%FY 2020: 43.0%FY 2021: 32.1%FY 2022: 32.5%FY 2023: 142.4%FY 2024: 117.6%FY 2025: 68.4%
FY 2016 5y median 68.4% FY 2025

Annual · latest fiscal year ends 2025-12-31