1st Summit Bancorp JohnstownFSMK 45 ROE % is 8.49% as of Mar. 2026, which is 24% above its 10-year median of 6.84. 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 1,524 Banks companies, 1st Summit Bancorp Johnstown ranks worse than 74.21% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
1st Summit Bancorp Johnstown ROE % Related Terms
1st Summit Bancorp Johnstown ROE % 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.
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's ROE % distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
1st Summit Bancorp Johnstown (FSMK) has a ROE % of 8.49% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is 24% above median its historical median of 6.84. Over the past decade, 1st Summit Bancorp Johnstown's ROE % has ranged from 2.61 to 9.99. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #1131 out of 1524 companies in the Banks industry, placing it in the top 74.2%.
Is 1st Summit Bancorp Johnstown's ROE % too high?
1st Summit Bancorp Johnstown's current ROE % of 8.49% is 24% above median its 10-year median of 6.84. Over the past 10 years, this metric has ranged from a low of 2.61 to a high of 9.99. The Banks industry median ROE % is 10.22. 1st Summit Bancorp Johnstown's value of 8.49% is 16.9% below this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #1131 out of 1524 companies in the Banks industry, which is below the industry midpoint. 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 ROE % compare to CZBT and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #1131 out of 1524 companies for ROE %. This places 1st Summit Bancorp Johnstown in the lower half of its industry. The industry median ROE % is 10.22. 1st Summit Bancorp Johnstown's value of 8.49% is 16.9% below this benchmark. Historically, 1st Summit Bancorp Johnstown's own ROE % has ranged from 2.61 to 9.99 over the past decade. While the company's 10-year median is 6.84 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current ROE % of 8.49% is 16.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current ROE % is 8.49%, which is 24% above median its own 10-year median of 6.84. 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 ROE % is 8.49%, which is 24% above median its 10-year median of 6.84 and 16.9% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current ROE % is 8.49% 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:
ROE %: 8.49% (24% above median its 10-year median of 6.84)
GF Value™: $39.45 vs. price of $38.55 (2.3% below fair value)
Industry Position: 16.9% below the Banks median (#1131 of 1524)
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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