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	Mar 2, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	79	56	151	151	145	90
Market Cap Growth	-	-63.10%	0.06%	4.15%	61.10%	-33.86%
Last Close Price	37.07	24.55	59.69	59.69	56.60	34.68
PE Ratio	25.61	17.47	57.12	13.12	12.83	10.94
PS Ratio	2.32	1.63	4.67	3.56	3.66	2.68
PB Ratio	0.85	0.59	1.49	1.49	1.12	0.72
P/FCF Ratio	54.45	38.23	39.99	11.92	10.79	8.89
P/OCF Ratio	36.46	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
Net Debt / Equity Ratio	0.94	0.94	0.61	0.81	0.28	0.20
Net Debt / FCF Ratio	60.65	60.65	16.25	6.49	2.64	2.49
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	4.02%	5.73%	1.75%	7.62%	7.79%	9.14%
FCF Yield	1.84%	2.62%	2.50%	8.39%	9.27%	11.24%
Dividend Yield	4.59%	7.01%	2.88%	2.86%	2.95%	4.64%
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	4.99%	7.46%	2.83%	2.87%	3.22%	4.63%

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