1st Summit Bancorp JohnstownFSMK 45 Pretax Margin % is 23.03% as of Mar. 2026, which is 9% below its 10-year median of 25.41. 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 1,527 Banks companies, 1st Summit Bancorp Johnstown ranks worse than 83.04% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
1st Summit Bancorp Johnstown Pretax Margin % Related Terms
1st Summit Bancorp Johnstown Pretax 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.
FSMK vs CZBT, UWHR, HMLN: Pretax Margin % Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Pretax 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 Pretax Margin % of 23.03% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is near median its historical median of 25.41. Over the past decade, 1st Summit Bancorp Johnstown's Pretax Margin % has ranged from 5.38 to 35.38. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1268 out of 1527 companies in the Banks industry, placing it in the top 83%.
Is 1st Summit Bancorp Johnstown's Pretax Margin % too high?
1st Summit Bancorp Johnstown's current Pretax Margin % of 23.03% is near median its 10-year median of 25.41. Over the past 10 years, this metric has ranged from a low of 5.38 to a high of 35.38. The Banks industry median Pretax Margin % is 34.88. 1st Summit Bancorp Johnstown's value of 23.03% is 34% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1268 out of 1527 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 Pretax Margin % compare to CZBT and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1268 out of 1527 companies for Pretax Margin %. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Pretax Margin % is 34.88. 1st Summit Bancorp Johnstown's value of 23.03% is 34% below this benchmark. Historically, 1st Summit Bancorp Johnstown's own Pretax Margin % has ranged from 5.38 to 35.38 over the past decade. While the company's 10-year median is 25.41 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Pretax Margin % of 23.03% is 34% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Pretax Margin % is 23.03%, which is near median its own 10-year median of 25.41. 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 Pretax Margin % is 23.03%, which is near median its 10-year median of 25.41 and 34% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Pretax Margin % is 23.03% 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:
Pretax Margin %: 23.03% (near median its 10-year median of 25.41)
GF Value™: $39.45 vs. price of $38.55 (2.3% below fair value)
Industry Position: 34% below the Banks median (#1268 of 1527)
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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