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Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
1st Summit Bancorp Johnstown Equity-to-Asset Related Terms
1st Summit Bancorp Johnstown Equity-to-Asset 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 FDSB, UWHR, BCOW: Equity-to-Asset Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
1st Summit Bancorp Johnstown's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is near median its historical median of 0.07. Over the past decade, 1st Summit Bancorp Johnstown's Equity-to-Asset has ranged from 0.07 to 0.10. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1169 out of 1526 companies in the Banks industry, placing it in the top 76.6%.
Is 1st Summit Bancorp Johnstown's Equity-to-Asset too high?
1st Summit Bancorp Johnstown's current Equity-to-Asset of 0.07 is near median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. 1st Summit Bancorp Johnstown's value of 0.07 is 30% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1169 out of 1526 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 Equity-to-Asset compare to FDSB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1169 out of 1526 companies for Equity-to-Asset. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Equity-to-Asset is 0.10. 1st Summit Bancorp Johnstown's value of 0.07 is 30% below this benchmark. Historically, 1st Summit Bancorp Johnstown's own Equity-to-Asset has ranged from 0.07 to 0.10 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Equity-to-Asset of 0.07 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Equity-to-Asset is 0.07, which is near median its own 10-year median of 0.07. 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 $40.93, compared to a current price of $42.56 — trading 4% above its estimated fair value. The current Equity-to-Asset is 0.07, which is near median its 10-year median of 0.07 and 30% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Equity-to-Asset is 0.07 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 $42.56 is trading 4% above its estimated GF Value™ of $40.93.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Equity-to-Asset: 0.07 (near median its 10-year median of 0.07)
GF Value™: $40.93 vs. price of $42.56 (4% above fair value)
Industry Position: 30% below the Banks median (#1169 of 1526)
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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