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What is 1st Summit Bancorp Johnstown Net Margin %?
1st Summit Bancorp JohnstownFSMK 45 Net Margin % is 21.60% as of Jun. 2026, which is 7% below its 10-year median of 23.28. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $40.90 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, 1st Summit Bancorp Johnstown ranks worse than 73.26% on this metric.
1st Summit Bancorp Johnstown (OTCPK:FSMK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
1st Summit Bancorp Johnstown Net Margin % Related Terms
1st Summit Bancorp Johnstown Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Net Margin % distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Net Margin % 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 Net Margin % of 21.60% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is near median its historical median of 23.28. Over the past decade, 1st Summit Bancorp Johnstown's Net Margin % has ranged from 8.01 to 31.11. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1118 out of 1526 companies in the Banks industry, placing it in the top 73.3%.
Is 1st Summit Bancorp Johnstown's Net Margin % too high?
1st Summit Bancorp Johnstown's current Net Margin % of 21.60% is near median its 10-year median of 23.28. Over the past 10 years, this metric has ranged from a low of 8.01 to a high of 31.11. The Banks industry median Net Margin % is 27.10. 1st Summit Bancorp Johnstown's value of 21.60% is 20.3% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1118 out of 1526 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 Net Margin % compare to FDSB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1118 out of 1526 companies for Net Margin %. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Net Margin % is 27.10. 1st Summit Bancorp Johnstown's value of 21.60% is 20.3% below this benchmark. Historically, 1st Summit Bancorp Johnstown's own Net Margin % has ranged from 8.01 to 31.11 over the past decade. While the company's 10-year median is 23.28 vs. the industry median of 27.10, 1st Summit Bancorp Johnstown has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Net Margin % of 21.60% is 20.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Net Margin % is 21.60%, which is near median its own 10-year median of 23.28. 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 $40.90, compared to a current price of $42.50 — trading 3.9% above its estimated fair value. The current Net Margin % is 21.60%, which is near median its 10-year median of 23.28 and 20.3% below the Banks industry median of 27.10. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Net Margin % is 21.60% as of Jun. 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 overvalued.
The current stock price of $42.50 is trading 3.9% above its estimated GF Value™ of $40.90.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Net Margin %: 21.60% (near median its 10-year median of 23.28)
GF Value™: $40.90 vs. price of $42.50 (3.9% above fair value)
Industry Position: 20.3% below the Banks median (#1118 of 1526)
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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