FSMK (1st Summit Bancorp Johnstown) Scaled Net Operating Assets: 0.20 (As of Mar. 2026)


FSMK 1st Summit Bancorp Johnstown Inc FSMK
45 GF Score
Price $38.55
GF Value $39.45
Valuation Fairly Valued
! 6 Warning Signs
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What is 1st Summit Bancorp Johnstown Scaled Net Operating Assets?

1st Summit Bancorp Johnstown FSMK 45 Scaled Net Operating Assets is 0.20 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

1st Summit Bancorp Johnstown's operating assets for the quarter that ended in Mar. 2026 was $1,501.92 Mil. 1st Summit Bancorp Johnstown's operating liabilities for the quarter that ended in Mar. 2026 was $1,202.05 Mil. 1st Summit Bancorp Johnstown's Total Assets for the quarter that ended in Dec. 2025 was $1,517.33 Mil. Therefore, 1st Summit Bancorp Johnstown's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.20.

FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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1st Summit Bancorp Johnstown Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

1st Summit Bancorp Johnstown's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1502.716-1216.544)/1415.163
=0.20

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1517.332 - 14.616
=1502.716

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1408.647 - 192.103 - 0
=1216.544

1st Summit Bancorp Johnstown's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1501.923-1202.05)/1517.332
=0.20

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1517.317 - 15.394
=1501.923

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1411.471 - 209.421 - 0
=1202.05

* 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 Scaled Net Operating Assets of 0.20 mean?
1st Summit Bancorp Johnstown (FSMK) has a Scaled Net Operating Assets of 0.20 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on 1st Summit Bancorp Johnstown and its competitors.
Is 1st Summit Bancorp Johnstown's Scaled Net Operating Assets too high?
1st Summit Bancorp Johnstown's current Scaled Net Operating Assets is 0.20. 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 Scaled Net Operating Assets compare to CZBT and UWHR?
1st Summit Bancorp Johnstown's Scaled Net Operating Assets of 0.20 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on 1st Summit Bancorp Johnstown and its competitors. 1st Summit Bancorp Johnstown's current Scaled Net Operating Assets is 0.20. 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 Scaled Net Operating Assets is 0.20. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Scaled Net Operating Assets is 0.20 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:

  • Scaled Net Operating Assets: 0.20
  • GF Value™: $39.45 vs. price of $38.55 (2.3% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.55
Price
$39.45
GF Value