FSMK (1st Summit Bancorp Johnstown) EV-to-FCF: (As of Jun. 24, 2026)


FSMK 1st Summit Bancorp Johnstown Inc FSMK
45 GF Score
Price $38.55
GF Value $39.45
Valuation Fairly Valued
! 6 Warning Signs
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What is 1st Summit Bancorp Johnstown EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, 1st Summit Bancorp Johnstown's Enterprise Value is $275.69 Mil. 1st Summit Bancorp Johnstown's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, 1st Summit Bancorp Johnstown's EV-to-FCF for today is .

The historical rank and industry rank for 1st Summit Bancorp Johnstown's EV-to-FCF or its related term are showing as below:

FSMK' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 237.05
Current: 237.05

During the past 7 years, the highest EV-to-FCF of 1st Summit Bancorp Johnstown was 237.05. The lowest was 0.00. And the median was 0.00.

FSMK's EV-to-FCF is ranked worse than
98.57% of 1191 companies
in the Banks industry
Industry Median: 6.56 vs FSMK: 237.05

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-06-24), 1st Summit Bancorp Johnstown's stock price is $38.55. 1st Summit Bancorp Johnstown's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.220. Therefore, 1st Summit Bancorp Johnstown's PE Ratio (TTM) for today is 11.97.


1st Summit Bancorp Johnstown  (OTCPK:FSMK) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

1st Summit Bancorp Johnstown's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=38.55/3.220
=11.97

1st Summit Bancorp Johnstown's share price for today is $38.55.
1st Summit Bancorp Johnstown's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.220.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


1st Summit Bancorp Johnstown EV-to-FCF Related Terms


1st Summit Bancorp Johnstown EV-to-FCF Historical Data

* Premium members only.

The historical data trend for 1st Summit Bancorp Johnstown's EV-to-FCF 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.

1st Summit Bancorp Johnstown EV-to-FCF Chart

1st Summit Bancorp Johnstown Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial 13.43 18.42 56.24 98.13 225.46

1st Summit Bancorp Johnstown Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 225.46 0.00

FSMK vs CZBT, UWHR, HMLN: EV-to-FCF Comparison

For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where 1st Summit Bancorp Johnstown's EV-to-FCF falls into.


FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

1st Summit Bancorp Johnstown EV-to-FCF Calculation

1st Summit Bancorp Johnstown's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=275.691/0
=

1st Summit Bancorp Johnstown's current Enterprise Value is $275.69 Mil.
1st Summit Bancorp Johnstown's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

Is 1st Summit Bancorp Johnstown (FSMK) Overvalued in 2026?

Based on GuruFocus' analysis, 1st Summit Bancorp Johnstown stock appears to be undervalued. The current stock price of $38.55 is trading 2.3% below its estimated GF Value™ of $39.45. GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.

Key valuation signals for FSMK:

  • EV-to-FCF:
  • GF Value™: $39.45 vs. price of $38.55 (2.3% below fair value)
  • GF Score™: 45/100 with 6 warning signs

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 Business Description

Address 125 Donald Lane, P.O. Box 5480, Johnstown, PA, USA, 15904
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

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.55
Price
$39.45
GF Value