FSMK (1st Summit Bancorp Johnstown) Moat Score: 2/10 (As of Jun. 27, 2026)


FSMK 1st Summit Bancorp Johnstown Inc FSMK
45 GF Score
Price $38.55
GF Value $39.44
Valuation Fairly Valued
! 6 Warning Signs
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What is 1st Summit Bancorp Johnstown Moat Score?

1st Summit Bancorp Johnstown FSMK 45 Moat Score is 2 as of Jun. 27, 2026. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $39.44 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,610 Banks companies, 1st Summit Bancorp Johnstown ranks better than 59.88% on this metric.

1st Summit Bancorp Johnstown has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

1st Summit Bancorp Johnstown has No Moat: 1st Summit Bancorp operates in a highly competitive banking sector with minimal differentiation. It lacks significant market share, brand strength, or unique intellectual property, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes 1st Summit Bancorp Johnstown might have No Moat - Very weak/transient advantages.

1st Summit Bancorp Johnstown  (OTCPK:FSMK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

1st Summit Bancorp Johnstown Moat Score Related Terms

FSMK vs CZBT, UWHR, HMLN: Moat Score Comparison

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

For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Moat Score distribution charts can be found below:

* The bar in red indicates where 1st Summit Bancorp Johnstown's Moat Score falls into.


FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
1st Summit Bancorp Johnstown (FSMK) has a Moat Score of 2 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #646 out of 1610 companies in the Banks industry, placing it in the top 40.1%.
Is 1st Summit Bancorp Johnstown's Moat Score too high?
1st Summit Bancorp Johnstown's current Moat Score is 2. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #646 out of 1610 companies in the Banks industry, which is above 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 Moat Score compare to CZBT and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #646 out of 1610 companies for Moat Score. This puts 1st Summit Bancorp Johnstown in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. 1st Summit Bancorp Johnstown's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Moat Score is 2 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:

  • Moat Score: 2
  • GF Value™: $39.44 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

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

$38.55
Price
$39.44
GF Value