1st Summit Bancorp JohnstownFSMK 45 Dividend Payout Ratio is 0.40 as of Mar. 2026, which is 57% below its 10-year median of 0.93. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $39.45 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,169 Banks companies, 1st Summit Bancorp Johnstown ranks worse than 80.15% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. 1st Summit Bancorp Johnstown's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.40.
The historical rank and industry rank for 1st Summit Bancorp Johnstown's Dividend Payout Ratio or its related term are showing as below:
FSMK'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25 Med: 0.93 Max: 1.42
Current: 0.53
During the past 7 years, the highest Dividend Payout Ratio of 1st Summit Bancorp Johnstown was 1.42. The lowest was 0.25. And the median was 0.93.
FSMK's Dividend Payout Ratio is ranked worse than 80.15% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs FSMK: 0.53
During the past 7 years, the highest Trailing Annual Dividend Yield of 1st Summit Bancorp Johnstown was 8.23%. The lowest was 0.62%. And the median was 2.97%.
During the past 3 years, the average Dividends Per Share Growth Rate was 10.10% per year.
During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of 1st Summit Bancorp Johnstown was 10.10% per year. The lowest was 10.10% per year. And the median was 10.10% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
1st Summit Bancorp Johnstown (OTCPK:FSMK) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
1st Summit Bancorp Johnstown Dividend Payout Ratio Related Terms
1st Summit Bancorp Johnstown Dividend Payout Ratio 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.
1st Summit Bancorp Johnstown Dividend Payout Ratio Chart
FSMK vs CZBT, UWHR, HMLN: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Dividend Payout Ratio falls into.
1st Summit Bancorp Johnstown Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
1st Summit Bancorp Johnstown's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.40 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is 57% below median its historical median of 0.93. Over the past decade, 1st Summit Bancorp Johnstown's Dividend Payout Ratio has ranged from 0.25 to 1.42. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #937 out of 1169 companies in the Banks industry, placing it in the top 80.2%.
Is 1st Summit Bancorp Johnstown's Dividend Payout Ratio too high?
1st Summit Bancorp Johnstown's current Dividend Payout Ratio of 0.40 is 57% below median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 1.42. The Banks industry median Dividend Payout Ratio is 0.32. 1st Summit Bancorp Johnstown's value of 0.40 is 25% above this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #937 out of 1169 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Dividend Payout Ratio compare to CZBT and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #937 out of 1169 companies for Dividend Payout Ratio. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. 1st Summit Bancorp Johnstown's value of 0.40 is 25% above this benchmark. Historically, 1st Summit Bancorp Johnstown's own Dividend Payout Ratio has ranged from 0.25 to 1.42 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 0.32, 1st Summit Bancorp Johnstown has consistently been above 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Dividend Payout Ratio of 0.40 is 25% above 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Dividend Payout Ratio is 0.40, which is 57% below median its own 10-year median of 0.93. 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 Dividend Payout Ratio is 0.40, which is 57% below median its 10-year median of 0.93 and 25% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Dividend Payout Ratio is 0.40 as of Mar. 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:
Dividend Payout Ratio: 0.40 (57% below median its 10-year median of 0.93)
GF Value™: $39.45 vs. price of $38.55 (2.3% below fair value)
Industry Position: 25% above the Banks median (#937 of 1169)
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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