SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
1ST SUMMIT BANCORP of Johnstown, Inc. (FSMK) trades at a trailing P/E of 15.5. Trailing earnings yield is 6.46%. PEG 0.21 (Peter Lynch undervalued ≤1.0).
Criteria proven by this page:
- VALUE (85/100, Pass) — P/E is below market average (15.5); PEG ≤ 1.0 — Peter Lynch undervalued (0.21); earnings yield beats bond yields (6.46%).
- PEG Ratio 0.21 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 6.46% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
Overall SharesGrow Score: 55/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
85/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — FSMK
Valuation Multiples
P/E (TTM)15.5
Forward P/EN/A
PEG Ratio0.21
Forward PEGN/A
P/B Ratio0.00
P/S Ratio1.18
EV/EBITDA0.0
Per Share Data
EPS (TTM)$2.52
Book Value / Share$0.00
Revenue / Share$32.99
FCF / Share$0.00
Yields & Fair Value
Earnings Yield6.46%
Dividend Yield0.00%
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$4.61 |
$32.71M |
$10.14M |
31% |
| 2017 |
$4.50 |
$34.75M |
$9.89M |
28.5% |
| 2018 |
$4.90 |
$45.04M |
$10.75M |
23.9% |
| 2019 |
$5.11 |
$36.04M |
$11.21M |
31.1% |
| 2020 |
$3.75 |
$35.35M |
$8.23M |
23.3% |
| 2021 |
$5.16 |
$41.35M |
$11.31M |
27.3% |
| 2022 |
$5.26 |
$42.77M |
$11.51M |
26.9% |
| 2023 |
$1.21 |
$33.51M |
$2.65M |
7.9% |
| 2024 |
$1.46 |
$34.32M |
$3.19M |
9.3% |
| 2025 |
$2.52 |
$69.82M |
$5.34M |
7.6% |
