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

FSMK Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 16, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	81	56	151	151	145	90
Market Cap Growth	-	-63.10%	0.06%	4.15%	61.10%	-33.86%
Last Close Price	38.25	24.83	60.38	60.38	57.25	35.08
PE Ratio	26.13	17.47	57.12	13.12	12.83	10.94
PS Ratio	2.37	1.63	4.67	3.56	3.66	2.68
PB Ratio	0.86	0.59	1.49	1.49	1.12	0.72
P/FCF Ratio	55.54	38.23	39.99	11.92	10.79	8.89
P/OCF Ratio	37.19	25.60	22.81	10.43	9.92	7.49
Debt / Equity Ratio	1.14	1.14	0.74	0.92	0.39	0.30
Debt / FCF Ratio	73.14	73.14	19.78	7.33	3.72	3.70
Return on Equity (ROE)	3.27%	3.27%	2.61%	9.99%	8.89%	6.84%
Return on Assets (ROA)	0.23%	0.23%	0.19%	0.86%	0.88%	0.69%
Earnings Yield	3.94%	5.73%	1.75%	7.62%	7.79%	9.14%
FCF Yield	1.80%	2.62%	2.50%	8.39%	9.27%	11.24%
Dividend Yield	4.31%	6.93%	2.85%	2.83%	2.92%	4.59%
Payout Ratio	117.57%	117.57%	142.40%	32.53%	32.15%	42.95%
Buyback Yield / Dilution	0.40%	0.45%	-0.05%	0.01%	0.27%	-0.01%
Total Shareholder Return	4.71%	7.38%	2.79%	2.84%	3.19%	4.58%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.