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1ST SUMMIT BANCORP of Johnstown, Inc. FSMK OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score
56/100
3/6 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

1ST SUMMIT BANCORP of Johnstown, Inc. (FSMK) is a Banks - Regional company in the Financial Services sector, currently trading at $39.00. It has a SharesGrow Score of 55/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $70M, +28.1%/yr average growth. Net income is $5M, growing at +3.6%/yr. Net profit margin is 7.6% (thin). Gross margin is 55.2% (-44.8 pp trend).

Balance sheet: total debt is $192M against $109M equity (Debt-to-Equity (D/E) ratio 1.77, leveraged). Current ratio is 0.02 (tight liquidity). Debt-to-assets is 12.7%. Total assets: $1.5B.

SharesGrow 7-Criteria breakdown: Value 85/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 0/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 45/100 (Partial).

FSMK SharesGrow Score Overview

68/100
SharesGrow Score
Above average fundamentals
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VALUE 85/100
Valuation — P/E, PEG, Forward PEG
GROWTH 73/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 0/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 35/100
Gross margin is + market cap
FUTURE 0/100
Analyst outlook — as buy
INCOME 45/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FSMK

✓
VALUE Pass
85/100
FSMK trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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✓
GROWTH Pass
73/100
FSMK: +28.1%/yr revenue is, +3.6%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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✓
PAST Pass
100/100
FSMK: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
—
HEALTH N/A
N/A
No analyst coverage available for this stock.
✗
MOAT Fail
35/100
FSMK: Gross margin is 55.2% (-44.8 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.
View details →
—
FUTURE N/A
N/A
No analyst coverage available for this stock.
~
INCOME Partial
45/100
FSMK: Net profit margin is 7.6%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range20.35-40.25
Volume550
Avg Volume (30D)1.32K
Market Cap$82.62M
Beta (1Y)-0.04
Dividend Yield$1.7200
Share Statistics
EPS (TTM)2.52
Shares Outstanding$2.12M
IPO Date2013-04-03
CEOAllison S. Johnson
Financial Highlights & Ratios
Revenue (TTM)$69.82M
Gross Profit$38.57M
EBITDA$5.55M
Net Income$5.34M
Operating Income$5.55M
Total Cash$14.62M
Total Debt$192.1M
Net Debt$177.49M
Total Assets$1.52B
Price / Earnings (P/E)15.5
Price / Sales (P/S)1.18
Analyst Forecast
Company Info
CountryUS
ExchangeOther OTC
CurrencyUSD
ISINUS3371251089

Price Chart

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FSMK
1ST SUMMIT BANCORP of Johnstown, Inc. ↗  ·  Other OTC
Financial Services • Banks - Regional
20.35 52WK RANGE 40.25

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