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1ST SUMMIT BANCORP of Johnstown, Inc. (FSMK)

USD40.50 +0.79 (+1.99%)
US OTC Financial Services Banks - Regional
Address 125 Donald Lane 15904
Johnstown, PA, US
CEO Allison S. Johnson
IPO 2013-04-03
ISIN US3371251089

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Description

Serving as the parent organization for 1ST SUMMIT BANK, 1ST SUMMIT BANCORP of Johnstown, Inc. delivers a comprehensive suite of financial solutions. The bank facilitates various deposit accounts, including checking, savings, money market, and individual retirement accounts (IRAs), alongside both interest-bearing and noninterest-bearing demand and time deposits, and certificates of deposit. Its lending portfolio spans residential property, commercial real estate, general commercial, and consumer financing. Additionally, the institution provides wealth management, investment advisory, and trust administration services, issues credit and debit cards, and offers life insurance policies. With its headquarters in Johnstown, Pennsylvania, the company operates a network of 17 branch locations, extending its reach across Cambria, Somerset, Indiana, Blair, and Westmoreland counties within Pennsylvania. Founded in 1924, the corporation previously operated as SUMMIT Bancorp, Inc. until its renaming to 1ST SUMMIT BANCORP of Johnstown, Inc. in 1996.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD40.50 +0.79 (+1.99%)
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Volume Profile
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Liquidity & share structure
Average Volume
431
Beta
-0.02
Float Shares
1.81M
Free Float %
85.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.10% +0.00% +2.67% +9.97% -3.75% +50.39% -48.67% -44.20% -23.76% +42.59%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
40.50
Quality scores
Altman Z-Score
-0.73
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +4.7% Q1'26: +13.5% (vs Q1'25)
  • EPS growth
    +72.6% Q1'26: +197.2% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +13.7% (vs Q1'25)
  • ROIC
    Q1'26: +3.0% (vs Q1'25)
  • Share dilution
    -3.0% Q1'26: -1.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 20.64× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.02) × ERP
WACC = 30% × Ke + 70% × Kd (16.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 40.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-05-20 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-05-15 C+ 2/5 1/5 2/5 3/5 1/5 2/5 4/5
2026-05-12 C+ 2/5 1/5 2/5 3/5 1/5 2/5 4/5
2026-04-30 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-29 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-04-27 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-04-24 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-04-23 B 3/5 1/5 3/5 4/5 1/5 3/5 4/5
2026-04-22 B 3/5 1/5 3/5 4/5 1/5 3/5 4/5
2026-04-17 B- 3/5 1/5 3/5 4/5 1/5 2/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.10M
OE per share TTM
0.97
Owner's Yield
2.56%
Maintenance CapEx ratio
44.00%
Maint CapEx / Avg PPE
32.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
26.3K
Shares Outstanding
2.12M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Allison S. Johnson Chief Executive Officer, Chief Financial Officer, President & Chief Risk Officer female
Domenic Cagliuso Senior Vice President & Senior Wealth Management Division Head
Joseph Kelly Jr. Senior Vice President & Chief Credit Officer male
Michael J. Paulman Senior Vice President & Chief Lending Officer male
Polly A. Previte Senior Vice President & Head of Retail Banking female
Timothy W. Smith Senior Vice President, Chief Information Officer & Secretary male
Tobie Gunby Vice President & Chief Human Resources Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits