1st Summit Bancorp Johnstown has the GF Score of 45, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes 1st Summit Bancorp Johnstown
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
1st Summit Bancorp Johnstown GF Score Related Terms
FSMK vs CZBT, UWHR, HMLN: GF Score Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's GF Score distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's GF Score falls into.
1st Summit Bancorp Johnstown (FSMK) has a GF Score of 45 as of Jun. 27, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is near median its historical median of 46.00. Over the past decade, 1st Summit Bancorp Johnstown's GF Score has ranged from 14.00 to 52.00.
Is 1st Summit Bancorp Johnstown's GF Score too high?
1st Summit Bancorp Johnstown's current GF Score of 45 is near median its 10-year median of 46.00. Over the past 10 years, this metric has ranged from a low of 14.00 to a high of 52.00. 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 GF Score compare to CZBT and UWHR?
1st Summit Bancorp Johnstown's GF Score of 45 can be compared against companies in the Banks industry. Historically, 1st Summit Bancorp Johnstown's own GF Score has ranged from 14.00 to 52.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on 1st Summit Bancorp Johnstown and its competitors. 1st Summit Bancorp Johnstown's current GF Score is 45, which is near median its own 10-year median of 46.00. 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 $39.44, compared to a current price of $38.55 — trading 2.3% below its estimated fair value. The current GF Score is 45, which is near median its 10-year median of 46.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current GF Score is 45 as of Jun. 27, 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 $39.44.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
GF Score: 45 (near median its 10-year median of 46.00)
GF Value™: $39.44 vs. price of $38.55 (2.3% below 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
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