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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. 1st Summit Bancorp Johnstown's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.09.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, 1st Summit Bancorp Johnstowncouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for 1st Summit Bancorp Johnstown's Cash-to-Debt or its related term are showing as below:
FSMK'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.17 Max: 0.98
Current: 0.09
During the past 7 years, 1st Summit Bancorp Johnstown's highest Cash to Debt Ratio was 0.98. The lowest was 0.07. And the median was 0.17.
FSMK's Cash-to-Debt is ranked worse than 93.83% of 1490
companies
in the Banks industry
Industry Median: 1.395
vs FSMK: 0.09
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
1st Summit Bancorp Johnstown Cash-to-Debt Related Terms
1st Summit Bancorp Johnstown Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
1st Summit Bancorp Johnstown Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
1st Summit Bancorp Johnstown (FSMK) has a Cash-to-Debt of 0.09 as of Jun. 2026. This is 47% below median its historical median of 0.17. Over the past decade, 1st Summit Bancorp Johnstown's Cash-to-Debt has ranged from 0.07 to 0.98. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1398 out of 1490 companies in the Banks industry, placing it in the top 93.8%.
Is 1st Summit Bancorp Johnstown's Cash-to-Debt too high?
1st Summit Bancorp Johnstown's current Cash-to-Debt of 0.09 is 47% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.98. The Banks industry median Cash-to-Debt is 1.40. 1st Summit Bancorp Johnstown's value of 0.09 is 93.5% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1398 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, 1st Summit Bancorp Johnstown has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does 1st Summit Bancorp Johnstown's Cash-to-Debt compare to NACB and MFBP?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1398 out of 1490 companies for Cash-to-Debt. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Cash-to-Debt is 1.40. 1st Summit Bancorp Johnstown's value of 0.09 is 93.5% below this benchmark. Historically, 1st Summit Bancorp Johnstown's own Cash-to-Debt has ranged from 0.07 to 0.98 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 1.40, 1st Summit Bancorp Johnstown has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Cash-to-Debt of 0.09 is 93.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Cash-to-Debt is 0.09, which is 47% below median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 1st Summit Bancorp Johnstown stock overvalued right now?
Based on GuruFocus' analysis, 1st Summit Bancorp Johnstown (FSMK) is currently considered Fairly Valued. The stock's GF Value™ is $40.83, compared to a current price of $44.75 — trading 9.6% above its estimated fair value. The current Cash-to-Debt is 0.09, which is 47% below median its 10-year median of 0.17 and 93.5% below the Banks industry median of 1.40. 1st Summit Bancorp Johnstown's overall GF Score™ is 44/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Cash-to-Debt is 0.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is 1st Summit Bancorp Johnstown (FSMK) Overvalued in 2026?
Based on GuruFocus' analysis, 1st Summit Bancorp Johnstown stock appears to be overvalued.
The current stock price of $44.75 is trading 9.6% above its estimated GF Value™ of $40.83.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Cash-to-Debt: 0.09 (47% below median its 10-year median of 0.17)
GF Value™: $40.83 vs. price of $44.75 (9.6% above fair value)
Industry Position: 93.5% below the Banks median (#1398 of 1490)
No single metric tells the full story. See the FSMK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
1st Summit Bancorp Johnstown Inc is the holding company of the Bank. The Bank is a state-chartered bank located in Pennsylvania. The company's principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, its investment portfolio, as well as trust and a variety of deposit services to its customers through Bank offices and a Bank Loan Production Office. The Bank has the following portfolio segments: Commercial and industrial loans, commercial real estate-nonowner occupied, commercial real estate-all other, construction, residential real estate, and consumer loans.
44GF Score
Get the complete analysis for FSMK
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