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1ST SUMMIT BANCORP of Johnstown, Inc.
FSMKFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $69.82M | 7.6% | $5.31M | $1.19M | N/A |
| 2027 | $76.80M | 7.6% | $5.84M | $1.31M | $1.19M |
| 2028 | $84.48M | 7.6% | $6.42M | $1.44M | $1.19M |
| 2029 | $92.93M | 7.6% | $7.06M | $1.58M | $1.19M |
| 2030 | $102.22M | 7.6% | $7.77M | $1.74M | $1.19M |
| 2031 | $112.44M | 7.6% | $8.55M | $1.91M | $1.19M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.52 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $26.424 | EPS × (1 + G)^5 |
| Base P/E | 15.9 | P/E |
| Future price | $420.14 | Future EPS × P/E |
| Fair value today | $260.88 | PV @ 10.0% |
| 30% safety price | $182.61 | Margin of safety |
| 50% safety price | $130.44 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$69.213 | -$67.969 | -$66.273 |
| 10.0% | -$70.469 | -$69.552 | -$68.353 |
| 11.0% | -$71.459 | -$70.761 | -$69.877 |