FSMK (1st Summit Bancorp Johnstown) Tariff Resilience Score: 8/10 (As of Jun. 27, 2026)


FSMK 1st Summit Bancorp Johnstown Inc FSMK
45 GF Score
Price $38.55
GF Value $39.44
Valuation Fairly Valued
! 6 Warning Signs
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What is 1st Summit Bancorp Johnstown Tariff Resilience Score?

1st Summit Bancorp Johnstown FSMK 45 Tariff Resilience Score is 8 as of Jun. 27, 2026. 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 1,606 Banks companies, 1st Summit Bancorp Johnstown ranks better than 78.64% on this metric.

1st Summit Bancorp Johnstown has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

1st Summit Bancorp Johnstown has As a regional bank, FSMK has minimal direct exposure to tariffs. Its operations are primarily domestic, and its financial services are not directly impacted by international trade policies.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes 1st Summit Bancorp Johnstown might have Highly Resilient.

1st Summit Bancorp Johnstown  (OTCPK:FSMK) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

1st Summit Bancorp Johnstown Tariff Resilience Score Related Terms

FSMK vs CZBT, UWHR, HMLN: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where 1st Summit Bancorp Johnstown's Tariff Resilience Score falls into.


FSMK
45GF Score
1st Summit Bancorp Johnstown Inc FSMK
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
1st Summit Bancorp Johnstown (FSMK) has a Tariff Resilience Score of 8 as of Jun. 27, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #343 out of 1606 companies in the Banks industry, placing it in the top 21.4%.
Is 1st Summit Bancorp Johnstown's Tariff Resilience Score too high?
1st Summit Bancorp Johnstown's current Tariff Resilience Score is 8. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #343 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to CZBT and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #343 out of 1606 companies for Tariff Resilience Score. This places 1st Summit Bancorp Johnstown in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. 1st Summit Bancorp Johnstown's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current Tariff Resilience Score is 8 as of Jun. 27, 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:

  • Tariff Resilience Score: 8
  • GF Value™: $39.44 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.55
Price
$39.44
GF Value