ScoreWhy is 1st Summit Bancorp of Johnstown, Inc. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -8.29%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 8.24 MM
- NET SALES(Q) Highest at USD 16.16 MM
- OPERATING PROFIT(Q) Highest at USD 1.94 MM
3
With ROA of 0.34%, it has a fair valuation with a 0.76 Price to Book Value
- Over the past year, while the stock has generated a return of 80.56%, its profits have risen by 53.5%
4
Market Beating Performance
- The stock has generated a return of 80.56% in the last 1 year, much higher than market (S&P 500) returns of 34.57%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to 1st Summit Bancorp of Johnstown, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.95%
EBIT Growth (5y)
-0.80%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
51.39%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.76
EV to EBIT
43.71
EV to EBITDA
43.71
EV to Capital Employed
0.90
EV to Sales
3.95
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
2.06%
ROE (Latest)
4.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 8.24 MM
NET SALES(Q)
Highest at USD 16.16 MM
OPERATING PROFIT(Q)
Highest at USD 1.94 MM
OPERATING PROFIT MARGIN(Q)
Highest at 11.99 %
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for 1st Summit Bancorp of Johnstown, Inc.
NII
Highest at USD 8.24 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 16.16 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 1.94 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 11.99 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 0% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
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