Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
1st Summit Bancorp Johnstown 5-Year Yield-on-Cost % Related Terms
FSMK vs KLIB, UWHR, CIWV: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, 1st Summit Bancorp Johnstown's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Summit Bancorp Johnstown's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where 1st Summit Bancorp Johnstown's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
1st Summit Bancorp Johnstown (FSMK) has a 5-Year Yield-on-Cost % of 4.36 as of Jul. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on 1st Summit Bancorp Johnstown and its competitors. This is 27% above median its historical median of 3.44. Over the past decade, 1st Summit Bancorp Johnstown's 5-Year Yield-on-Cost % has ranged from 0.62 to 8.23. According to the industry distribution chart, 1st Summit Bancorp Johnstown ranks #541 out of 1251 companies in the Banks industry, placing it in the top 43.2%.
Is 1st Summit Bancorp Johnstown's 5-Year Yield-on-Cost % too high?
1st Summit Bancorp Johnstown's current 5-Year Yield-on-Cost % of 4.36 is 27% above median its 10-year median of 3.44. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 8.23. The Banks industry median 5-Year Yield-on-Cost % is 3.93. 1st Summit Bancorp Johnstown's value of 4.36 is 10.9% above this industry median. Based on the distribution chart, 1st Summit Bancorp Johnstown ranks #541 out of 1251 companies in the Banks industry, which is above the industry midpoint. Overall, 1st Summit Bancorp Johnstown has a GF Scoreâ„¢ 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 5-Year Yield-on-Cost % compare to KLIB and UWHR?
According to the Banks industry distribution chart, 1st Summit Bancorp Johnstown ranks #541 out of 1251 companies for 5-Year Yield-on-Cost %. This puts 1st Summit Bancorp Johnstown in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. 1st Summit Bancorp Johnstown's value of 4.36 is 10.9% above this benchmark. Historically, 1st Summit Bancorp Johnstown's own 5-Year Yield-on-Cost % has ranged from 0.62 to 8.23 over the past decade. While the company's 10-year median is 3.44 vs. the industry median of 3.93, 1st Summit Bancorp Johnstown has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.93, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Summit Bancorp Johnstown's current 5-Year Yield-on-Cost % of 4.36 is 10.9% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on 1st Summit Bancorp Johnstown and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Summit Bancorp Johnstown's current 5-Year Yield-on-Cost % is 4.36, which is 27% above median its own 10-year median of 3.44. 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 $39.42, compared to a current price of $39.45 — trading 0.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.36, which is 27% above median its 10-year median of 3.44 and 10.9% above the Banks industry median of 3.93. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current 5-Year Yield-on-Cost % is 4.36 as of Jul. 04, 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 overvalued.
The current stock price of $39.45 is trading 0.1% above its estimated GF Value™ of $39.42.
GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.
Key valuation signals for FSMK:
5-Year Yield-on-Cost %: 4.36 (27% above median its 10-year median of 3.44)
GF Value™: $39.42 vs. price of $39.45 (0.1% above fair value)
Industry Position: 10.9% above the Banks median (#541 of 1251)
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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