Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
1st Summit Bancorp Johnstown Effective Interest Rate on Debt % Related Terms
1st Summit Bancorp Johnstown Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for 1st Summit Bancorp Johnstown's Effective Interest Rate on Debt % can be seen below:
* 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: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 14.89% mean?
1st Summit Bancorp Johnstown (FSMK) has a Effective Interest Rate on Debt % of 14.89% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on 1st Summit Bancorp Johnstown and its competitors.
Is 1st Summit Bancorp Johnstown's Effective Interest Rate on Debt % too high?
1st Summit Bancorp Johnstown's current Effective Interest Rate on Debt % is 14.89%. 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 Effective Interest Rate on Debt % compare to KLIB and UWHR?
1st Summit Bancorp Johnstown's Effective Interest Rate on Debt % of 14.89% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on 1st Summit Bancorp Johnstown and its competitors. 1st Summit Bancorp Johnstown's current Effective Interest Rate on Debt % is 14.89%. 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 $39.42, compared to a current price of $39.45 — trading 0.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 14.89%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Effective Interest Rate on Debt % is 14.89% as of Mar. 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 $39.45 is trading 0.1% above its estimated GF Value™ of $39.42.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Effective Interest Rate on Debt %: 14.89%
GF Value™: $39.42 vs. price of $39.45 (0.1% 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.
45GF Score
Get the complete analysis for FSMK
Effective Interest Rate on Debt % 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 
