FSMK (1st Summit Bancorp Johnstown) Margin of Safety % (DCF FCF Based): N/A (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 Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

1st Summit Bancorp Johnstown's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

FSMK vs CZBT, UWHR, HMLN: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where 1st Summit Bancorp Johnstown's Margin of Safety % (DCF FCF Based) falls into.


FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • 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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.55
Price
$39.45
GF Value