FSMK (1st Summit Bancorp Johnstown) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


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 ROC (Joel Greenblatt) %?

1st Summit Bancorp Johnstown FSMK +1.17% 45 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $39.43 (Fairly Valued). The stock has 6 warning signs investors should review. Among 47 Banks companies, 1st Summit Bancorp Johnstown ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
1st Summit Bancorp Johnstown (FSMK) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on 1st Summit Bancorp Johnstown and its competitors. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #999999 out of 47 companies in the Banks industry.
Is 1st Summit Bancorp Johnstown's ROC (Joel Greenblatt) % too high?
1st Summit Bancorp Johnstown's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #999999 out of 47 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 ROC (Joel Greenblatt) % compare to KLIB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 70.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 70.66, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 70.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current ROC (Joel Greenblatt) % is %. 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 $39.43, compared to a current price of $39.00 — trading 1.1% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current ROC (Joel Greenblatt) % is % 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 $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:

  • ROC (Joel Greenblatt) %: %
  • 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.00
Price
$39.43
GF Value