FSMK (1st Summit Bancorp Johnstown) Quality Rank


FSMK 1st Summit Bancorp Johnstown Inc FSMK
45 GF Score
Price $39.00
GF Value $39.43
Valuation Fairly Valued
! 6 Warning Signs
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What is 1st Summit Bancorp Johnstown Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

1st Summit Bancorp Johnstown Quality Rank Related Terms

FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $39.00 is trading 1.1% below its estimated GF Value™ of $39.43. GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.

Key valuation signals for FSMK:

  • Quality Rank:
  • GF Value™: $39.43 vs. price of $39.00 (1.1% 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

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

$39.00
Price
$39.43
GF Value