FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
1st Summit Bancorp Johnstown FCF Yield % Related Terms
1st Summit Bancorp Johnstown FCF Yield % 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.
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's FCF Yield % distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's FCF Yield % 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.
1st Summit Bancorp Johnstown (FSMK) has a FCF Yield % of 1.42 as of Jun. 24, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on 1st Summit Bancorp Johnstown and its competitors. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1071 out of 1505 companies in the Banks industry, placing it in the top 71.2%.
Is 1st Summit Bancorp Johnstown's FCF Yield % too high?
1st Summit Bancorp Johnstown's current FCF Yield % is 1.42. The Banks industry median FCF Yield % is 8.26. 1st Summit Bancorp Johnstown's value of 1.42 is 82.8% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1071 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Yield % compare to CZBT and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1071 out of 1505 companies for FCF Yield %. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median FCF Yield % is 8.26. 1st Summit Bancorp Johnstown's value of 1.42 is 82.8% 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.26, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current FCF Yield % of 1.42 is 82.8% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median FCF Yield % is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current FCF Yield % is 1.42. 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 $39.45, compared to a current price of $38.55 — trading 2.3% below its estimated fair value. The current FCF Yield % is 1.42 and 82.8% below the Banks industry median of 8.26. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current FCF Yield % is 1.42 as of Jun. 24, 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 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:
FCF Yield %: 1.42
GF Value™: $39.45 vs. price of $38.55 (2.3% below fair value)
Industry Position: 82.8% below the Banks median (#1071 of 1505)
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
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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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