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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for 1st Summit Bancorp Johnstown's Debt-to-Equity or its related term are showing as below:
FSMK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3 Med: 0.92 Max: 2.08
Current: 2.08
During the past 7 years, the highest Debt-to-Equity Ratio of 1st Summit Bancorp Johnstown was 2.08. The lowest was 0.30. And the median was 0.92.
FSMK's Debt-to-Equity is ranked worse than 85.17% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs FSMK: 2.08
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
1st Summit Bancorp Johnstown Debt-to-Equity Related Terms
1st Summit Bancorp Johnstown Debt-to-Equity 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.
FSMK vs KLIB, UWHR, CIWV: Debt-to-Equity Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Debt-to-Equity 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 Debt-to-Equity of 2.08 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is 126% above median its historical median of 0.92. Over the past decade, 1st Summit Bancorp Johnstown's Debt-to-Equity has ranged from 0.30 to 2.08. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1212 out of 1423 companies in the Banks industry, placing it in the top 85.2%.
Is 1st Summit Bancorp Johnstown's Debt-to-Equity too high?
1st Summit Bancorp Johnstown's current Debt-to-Equity of 2.08 is 126% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 2.08. The Banks industry median Debt-to-Equity is 0.56. 1st Summit Bancorp Johnstown's value of 2.08 is 271.4% above this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1212 out of 1423 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, 1st Summit Bancorp Johnstown has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does 1st Summit Bancorp Johnstown's Debt-to-Equity compare to KLIB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1212 out of 1423 companies for Debt-to-Equity. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Debt-to-Equity is 0.56. 1st Summit Bancorp Johnstown's value of 2.08 is 271.4% above this benchmark. Historically, 1st Summit Bancorp Johnstown's own Debt-to-Equity has ranged from 0.30 to 2.08 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.56, 1st Summit Bancorp Johnstown has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Debt-to-Equity of 2.08 is 271.4% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Debt-to-Equity is 2.08, which is 126% above median its own 10-year median of 0.92. 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 $40.96, compared to a current price of $41.93 — trading 2.4% above its estimated fair value. The current Debt-to-Equity is 2.08, which is 126% above median its 10-year median of 0.92 and 271.4% above the Banks industry median of 0.56. 1st Summit Bancorp Johnstown's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Debt-to-Equity is 2.08 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 $41.93 is trading 2.4% above its estimated GF Value™ of $40.96.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Debt-to-Equity: 2.08 (126% above median its 10-year median of 0.92)
GF Value™: $40.96 vs. price of $41.93 (2.4% above fair value)
Industry Position: 271.4% above the Banks median (#1212 of 1423)
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.
45GF Score
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