Financial Services
1ST SUMMIT BANCORP of Johnstown, Inc.(FSMK)
Live Price
Offline$38.49
+0.00% today
1Y Change
+48.04%
Window
Jun 26, 2025 โ Jun 16, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +4.7%
- EPS Growth
- +72.6%
- Dividend Yield
- 4.5%
Coverage: 244 bars ยท Jun 26, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
1ST SUMMIT BANCORP of Johnstown, Inc. (FSMK) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $38.49 and up 48.0% across the available one-year price window (Jun 26, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of +4.7%, EPS growth of +72.6%, a dividend yield of 4.5%. What stands out right now is revenue +4.7%, EPS +72.6%, free cash flow -20.3% with operating margin 10.3% and ROIC 2.1%. The dividend matters to the case here, with a current yield around 4.5%. Valuation is more restrained than many high-expectation growth names at P/E 12.0 and price/sales 1.1. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines FSMK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.7% vs +3.4% peer median
Operating Margin
Above sector median
+10.3% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2025 was reported on Dec 31, 2025, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.7% and EPS at +72.6%, with operating margin around 10.3%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 4.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -2.7% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2025 Dec 31, 2025 | โ | -0.0% | -9.4% | -3.4% |
2025 Sep 30, 2025 | โ | +0.0% | +1.8% | +9.2% |
2025 Jun 30, 2025 | โ | +0.0% | -0.7% | +3.7% |
Benchmark Edge
FSMK vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FSMK
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FSMK Max Drawdown
-9.94%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FSMK and SPY.
Company Overview
1ST SUMMIT BANCORP of Johnstown, Inc.
Other OTC
1ST SUMMIT BANCORP of Johnstown, Inc. operates as the bank holding company for 1ST SUMMIT BANK that provides various banking products and services. It accepts various deposits, such as checking, savings, interest-bearing and noninterest-bearing demand deposit, money market, time, and individual retirement accounts, as well as certificates of deposit. The company also offers residential real estate, commercial mortgage, commercial, and consumer loans; wealth management, investment, and trust services; credit and debit cards; and life insurance products. It serves customers through 17 offices in Cambria, Somerset, Indiana, Blair, and Westmoreland counties in Pennsylvania. The company was formerly known as SUMMIT Bancorp, Inc. and changed its name to 1ST SUMMIT BANCORP of Johnstown, Inc. in 1996. 1ST SUMMIT BANCORP of Johnstown, Inc. was incorporated in 1924 and is based in Johnstown, Pennsylvania.
- Leadership
- Allison S. Johnson
- IPO Date
- Apr 3, 2013
- Employees
- 211
- Street Address
- 125 Donald Lane
- Mailing
- Johnstown, PA, 15904
- Region
- Johnstown, PA, US
- Reporting Currency
- USD
- Investor Line
- 814 262 4010
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.0
- EV/EBITDA
- 37.0
- Price/Sales
- 1.1
- Price/Book
- 0.8
Growth
- Revenue
- +4.7%
- EPS
- +72.6%
- Free Cash Flow
- -20.3%
Profitability
- Gross Margin
- 43.1%
- Operating Margin
- 10.3%
- Net Margin
- 9.5%
- ROE
- 6.5%
- ROIC
- 2.1%
Balance Sheet
- Debt/Equity
- 1.98
- Current Ratio
- 0.01
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.