Stock fact sheet · data as of
1ST SUMMIT BANCORP of Johnstown, Inc. (FSMK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is FSMK undervalued?
At 42.88 (close of 16 Oct 2026), FSMK trades 25% over the GLS average fair value of 34.41. 2 of the 8 models land above the price and 6 below. A negative margin of safety costs Value points in the Wheel Score (2 of 25 here) - the models see no discount, which does not make the business a poor one, only the price a full one.
There is a wide gap between Payback Time (10.52) and Graham Number (67.06). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files FSMK under High Yield Income: a dividend yield above 4%.
Nine valuation models for FSMK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 67.06 | +56% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 62.16 | +45% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.41 | -64% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 11.28 | -74% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 40.76 | -5% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 10.52 | -75% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 25.31 | -41% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 42.81 | -0% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -655.49 | -1629% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
1ST SUMMIT BANCORP of Johnstown, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 3.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 1.8%, ROE 4.9%, ROA 0.4% - with debt at 1.77 times equity and negative free cash flow.
The dividend yield is high at 4.01% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 1.8% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | 4.9% |
| Debt / equity | 1.77 | ROA | 0.4% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 27: No options
No options are listed on 1ST SUMMIT BANCORP of Johnstown, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 27) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $91M, with a beta of -0.02 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 2 / 25 | -25% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 3.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $91M cap, beta -0.02 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FSMK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to 1ST SUMMIT BANCORP of Johnstown, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
| KSBI KS Bancorp, Inc. | 81.55 | 161.11 | +49% | 39No options | $90M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| CZBC Citizens Bancorp | 16.00 | 9.20 | -74% | 20No options | $90M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
| ORPB Oregon Pacific Bancorp | 12.47 | 23.07 | +46% | 39No options | $90M |
| AUBN Auburn National Bancorporation, Inc. | 26.47 | 34.04 | +22% | 39No options | $92M |
| SOBS Solvay Bank Corp. | 36.50 | 28.22 | -29% | 20No options | $93M |
| PBKC Pioneer Bankcorp, Inc. | 83.99 | 243.32 | +65% | 39No options | $93M |
| MCBK Madison County Financial, Inc. | 33.30 | 28.59 | -16% | 28No options | $89M |
⚖ Compare FSMK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FSMK
Is FSMK undervalued right now?
No: at 42.88 the stock trades 25% above the GLS average fair value of 34.41 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of FSMK and what does it mean?
FSMK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for FSMK?
34.41 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does 1ST SUMMIT BANCORP of Johnstown, Inc. report earnings next?
No upcoming earnings date is recorded for FSMK in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does FSMK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FSMK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.