1st Summit Bancorp JohnstownFSMK 45 Return-on-Tangible-Equity is 8.52% as of Mar. 2026, which is 24% above its 10-year median of 6.86. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $39.44 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, 1st Summit Bancorp Johnstown ranks worse than 75.93% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. 1st Summit Bancorp Johnstown's annualized net income for the quarter that ended in Mar. 2026 was $9.11 Mil. 1st Summit Bancorp Johnstown's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $106.93 Mil. Therefore, 1st Summit Bancorp Johnstown's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.52%.
The historical rank and industry rank for 1st Summit Bancorp Johnstown's Return-on-Tangible-Equity or its related term are showing as below:
FSMK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.62 Med: 6.86 Max: 10.03
Current: 6.65
During the past 7 years, 1st Summit Bancorp Johnstown's highest Return-on-Tangible-Equity was 10.03%. The lowest was 2.62%. And the median was 6.86%.
FSMK's Return-on-Tangible-Equity is ranked worse than 75.93% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs FSMK: 6.65
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
1st Summit Bancorp Johnstown Return-on-Tangible-Equity Related Terms
1st Summit Bancorp Johnstown Return-on-Tangible-Equity 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 KLIB, UWHR, CIWV: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.52% mean?
1st Summit Bancorp Johnstown (FSMK) has a Return-on-Tangible-Equity of 8.52% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is 24% above median its historical median of 6.86. Over the past decade, 1st Summit Bancorp Johnstown's Return-on-Tangible-Equity has ranged from 2.62 to 10.03. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1158 out of 1525 companies in the Banks industry, placing it in the top 75.9%.
Is 1st Summit Bancorp Johnstown's Return-on-Tangible-Equity too high?
1st Summit Bancorp Johnstown's current Return-on-Tangible-Equity of 8.52% is 24% above median its 10-year median of 6.86. Over the past 10 years, this metric has ranged from a low of 2.62 to a high of 10.03. The Banks industry median Return-on-Tangible-Equity is 11.20. 1st Summit Bancorp Johnstown's value of 8.52% is 23.9% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1158 out of 1525 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 Return-on-Tangible-Equity compare to KLIB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1158 out of 1525 companies for Return-on-Tangible-Equity. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. 1st Summit Bancorp Johnstown's value of 8.52% is 23.9% below this benchmark. Historically, 1st Summit Bancorp Johnstown's own Return-on-Tangible-Equity has ranged from 2.62 to 10.03 over the past decade. While the company's 10-year median is 6.86 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current Return-on-Tangible-Equity of 8.52% is 23.9% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current Return-on-Tangible-Equity is 8.52%, which is 24% above median its own 10-year median of 6.86. 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 $39.44, compared to a current price of $38.55 — trading 2.3% below its estimated fair value. The current Return-on-Tangible-Equity is 8.52%, which is 24% above median its 10-year median of 6.86 and 23.9% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Return-on-Tangible-Equity is 8.52% 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 $39.44.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
Return-on-Tangible-Equity: 8.52% (24% above median its 10-year median of 6.86)
GF Value™: $39.44 vs. price of $38.55 (2.3% below fair value)
Industry Position: 23.9% below the Banks median (#1158 of 1525)
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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