FSMK (1st Summit Bancorp Johnstown) PEG Ratio: N/A (As of Jun. 28, 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 PEG Ratio?

PE Ratio without NRI / 5-Year Book Value Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, 1st Summit Bancorp Johnstown's PE Ratio without NRI is 11.97. 1st Summit Bancorp Johnstown's 5-Year Book Value growth rate is -4.00%. Therefore, 1st Summit Bancorp Johnstown's PEG Ratio for today is N/A.

* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


The historical rank and industry rank for 1st Summit Bancorp Johnstown's PEG Ratio or its related term are showing as below:



FSMK's PEG Ratio is not ranked *
in the Banks industry.
Industry Median: 1.52
* Ranked among companies with meaningful PEG Ratio only.

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.


1st Summit Bancorp Johnstown  (OTCPK:FSMK) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.


1st Summit Bancorp Johnstown PEG Ratio Related Terms


1st Summit Bancorp Johnstown PEG Ratio Historical Data

* Premium members only.

The historical data trend for 1st Summit Bancorp Johnstown's PEG Ratio can be seen below:

* 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 PEG Ratio Chart

1st Summit Bancorp Johnstown Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PEG Ratio
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

1st Summit Bancorp Johnstown Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PEG Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

FSMK vs CZBT, UWHR, HMLN: PEG Ratio Comparison

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

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

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


FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
PEG Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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1st Summit Bancorp Johnstown PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year Book Value growth rate.

1st Summit Bancorp Johnstown's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year Book Value Growth Rate*
=11.972049689441/-4.00
=N/A

* 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.

* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.

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:

  • PEG Ratio: N/A
  • 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

Get the complete analysis for FSMK

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

$38.55
Price
$39.44
GF Value