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During the past 7 years, 1st Summit Bancorp Johnstown's highest 3-Year average EPS without NRI Growth Rate was 1.00% per year. The lowest was -34.40% per year. And the median was -26.65% per year.
1st Summit Bancorp Johnstown (OTCPK:FSMK) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
1st Summit Bancorp Johnstown Earnings per Share (Diluted) Related Terms
1st Summit Bancorp Johnstown Earnings per Share (Diluted) 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.
1st Summit Bancorp Johnstown Earnings per Share (Diluted) Chart
FSMK vs FDSB, UWHR, BCOW: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's PE Ratio distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's PE Ratio falls into.
1st Summit Bancorp Johnstown Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
1st Summit Bancorp Johnstown's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.85
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $3.85 mean?
1st Summit Bancorp Johnstown (FSMK) has a Earnings per Share (Diluted) of $3.85 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on 1st Summit Bancorp Johnstown and its competitors. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1323 out of 1413 companies in the Banks industry, placing it in the top 93.6%.
Is 1st Summit Bancorp Johnstown's Earnings per Share (Diluted) too high?
1st Summit Bancorp Johnstown's current Earnings per Share (Diluted) is $3.85. The Banks industry median Earnings per Share (Diluted) is 7.30. 1st Summit Bancorp Johnstown's value of $3.85 is 47.3% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1323 out of 1413 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 Earnings per Share (Diluted) compare to FDSB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1323 out of 1413 companies for Earnings per Share (Diluted). This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.30. 1st Summit Bancorp Johnstown's value of $3.85 is 47.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Earnings per Share (Diluted) of $3.85 is 47.3% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Earnings per Share (Diluted) is $3.85. 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 $40.98, compared to a current price of $42.55 — trading 3.8% above its estimated fair value. The current Earnings per Share (Diluted) is $3.85 and 47.3% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Earnings per Share (Diluted) is $3.85 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 $42.55 is trading 3.8% above its estimated GF Value™ of $40.98.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Earnings per Share (Diluted): $3.85
GF Value™: $40.98 vs. price of $42.55 (3.8% above fair value)
Industry Position: 47.3% below the Banks median (#1323 of 1413)
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
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