FSMK (1st Summit Bancorp Johnstown) Selling, General, & Admin. Expense: $1.40 Mil (TTM As of Mar. 2026)


FSMK 1st Summit Bancorp Johnstown Inc FSMK
45 GF Score
Price $39.25
GF Value $39.41
Valuation Fairly Valued
! 6 Warning Signs
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What is 1st Summit Bancorp Johnstown Selling, General, & Admin. Expense?

1st Summit Bancorp Johnstown FSMK 45 Selling, General, & Admin. Expense is $1.40 Mil as of Mar. 2026. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $39.41 (Fairly Valued). The stock has 6 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. 1st Summit Bancorp Johnstown's selling, general, & admin. expense for the three months ended in Mar. 2026 was $0.35 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was $1.40 Mil.


1st Summit Bancorp Johnstown  (OTCPK:FSMK) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


1st Summit Bancorp Johnstown Selling, General, & Admin. Expense Related Terms


1st Summit Bancorp Johnstown Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for 1st Summit Bancorp Johnstown's Selling, General, & Admin. Expense can be seen below:

* 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 Selling, General, & Admin. Expense Chart

1st Summit Bancorp Johnstown Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial 0.00 0.45 0.96 1.66 1.50

1st Summit Bancorp Johnstown Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Selling, General, & Admin. Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.45 0.33 0.34 0.37 0.35

FSMK vs KLIB, UWHR, CIWV: Selling, General, & Admin. Expense Comparison

For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where 1st Summit Bancorp Johnstown's Selling, General, & Admin. Expense falls into.


FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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1st Summit Bancorp Johnstown Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.40 Mil.

* 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.

What does a Selling, General, & Admin. Expense of $1.40 Mil mean?
1st Summit Bancorp Johnstown (FSMK) has a Selling, General, & Admin. Expense of $1.40 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on 1st Summit Bancorp Johnstown and its competitors.
Is 1st Summit Bancorp Johnstown's Selling, General, & Admin. Expense too high?
1st Summit Bancorp Johnstown's current Selling, General, & Admin. Expense is $1.40 Mil. 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 Selling, General, & Admin. Expense compare to KLIB and UWHR?
1st Summit Bancorp Johnstown's Selling, General, & Admin. Expense of $1.40 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on 1st Summit Bancorp Johnstown and its competitors. 1st Summit Bancorp Johnstown's current Selling, General, & Admin. Expense is $1.40 Mil. 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 $39.41, compared to a current price of $39.25 — trading 0.4% below its estimated fair value. The current Selling, General, & Admin. Expense is $1.40 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Selling, General, & Admin. Expense is $1.40 Mil 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 $39.25 is trading 0.4% below its estimated GF Value™ of $39.41. GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.

Key valuation signals for FSMK:

  • Selling, General, & Admin. Expense: $1.40 Mil
  • GF Value™: $39.41 vs. price of $39.25 (0.4% 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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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.25
Price
$39.41
GF Value