Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, 1st Summit Bancorp Johnstown's average EPS without NRI Growth Rate was 52.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -21.90% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -18.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of 1st Summit Bancorp Johnstown was 1.00% per year. The lowest was -34.40% per year. And the median was -26.65% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
1st Summit Bancorp Johnstown 3-Year EPS without NRI Growth Rate Related Terms
FSMK vs FDSB, UWHR, BCOW: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's 3-Year EPS without NRI Growth Rate falls into.
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -21.90% mean?
1st Summit Bancorp Johnstown (FSMK) has a 3-Year EPS without NRI Growth Rate of -21.90% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for 1st Summit Bancorp Johnstown and its competitors. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1324 out of 1412 companies in the Banks industry, placing it in the top 93.8%.
Is 1st Summit Bancorp Johnstown's 3-Year EPS without NRI Growth Rate too high?
1st Summit Bancorp Johnstown's current 3-Year EPS without NRI Growth Rate is -21.90%. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1324 out of 1412 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 3-Year EPS without NRI Growth Rate compare to FDSB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1324 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current 3-Year EPS without NRI Growth Rate is -21.90%. 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 $40.85, compared to a current price of $44.00 — trading 7.7% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -21.90%. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current 3-Year EPS without NRI Growth Rate is -21.90% 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 $44.00 is trading 7.7% above its estimated GF Value™ of $40.85.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
3-Year EPS without NRI Growth Rate: -21.90%
GF Value™: $40.85 vs. price of $44.00 (7.7% above fair value)
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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FSMK has been successfully added to your 
