FSFG Fundamental Analysis - FIRST SAVINGS FINANCIAL GRP

Fundamental Rating

Overall FSFG gets a fundamental rating of 3 out of 10. We evaluated FSFG against 391 industry peers in the Banks industry. Both the profitability and financial health of FSFG have multiple concerns. FSFG is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FSFG had positive earnings in the past year.

FSFG had a negative operating cash flow in the past year.

In the past 5 years FSFG has always been profitable.

FSFG had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.89%, FSFG is in line with its industry, outperforming 52.30% of the companies in the same industry.

Looking at the Return On Equity, with a value of 11.73%, FSFG belongs to the top of the industry, outperforming 81.63% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.89%
ROE	11.73%
ROIC	N/A

ROA(3y)0.55%

ROA(5y)1.05%

ROE(3y)7.75%

ROE(5y)12.18%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FSFG has a better Profit Margin (26.86%) than 68.88% of its industry peers.

FSFG's Profit Margin has been stable in the last couple of years.

FSFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.86%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.93%

PM growth 5Y-0.03%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FSFG does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for FSFG has been increased compared to 1 year ago.

The number of shares outstanding for FSFG has been reduced compared to 5 years ago.

FSFG has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.16 indicates that FSFG is not too dependend on debt financing.

FSFG has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.36%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 102.99% over the past year.

The Earnings Per Share has been decreasing by -3.75% on average over the past years.

FSFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.94%.

The Revenue has been decreasing by -3.42% on average over the past years.

EPS 1Y (TTM)102.99%

EPS 3Y-21.78%

EPS 5Y-3.75%

EPS Q2Q%35%

Revenue 1Y (TTM)8.94%

Revenue growth 3Y-26.47%

Revenue growth 5Y-3.42%

Sales Q2Q%15.07%

3.2 Future

Based on estimates for the next years, FSFG will show a very negative growth in Earnings Per Share. The EPS will decrease by -24.06% on average per year.

Based on estimates for the next years, FSFG will show a very negative growth in Revenue. The Revenue will decrease by -31.58% on average per year.

EPS Next Y68.45%

EPS Next 2Y33.96%

EPS Next 3Y-24.06%

EPS Next 5YN/A

Revenue Next Year11.74%

Revenue Next 2Y9.53%

Revenue Next 3Y-31.58%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.07, which indicates a very decent valuation of FSFG.

Compared to the rest of the industry, the Price/Earnings ratio of FSFG indicates a somewhat cheap valuation: FSFG is cheaper than 61.99% of the companies listed in the same industry.

FSFG is valuated cheaply when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.

FSFG is valuated reasonably with a Price/Forward Earnings ratio of 8.48.

FSFG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FSFG is cheaper than 70.92% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of FSFG to the average of the S&P500 Index (22.57), we can say FSFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.07
Fwd PE	8.48

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A cheap valuation may be justified as FSFG's earnings are expected to decrease with -24.06% in the coming years.

PEG (NY)0.16

PEG (5Y)N/A

EPS Next 2Y33.96%

EPS Next 3Y-24.06%

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5. Dividend

5.1 Amount

FSFG has a Yearly Dividend Yield of 2.07%.

FSFG's Dividend Yield is slightly below the industry average, which is at 3.60.

FSFG's Dividend Yield is comparable with the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	2.07%

5.2 History

The dividend of FSFG is nicely growing with an annual growth rate of 22.41%!

FSFG has been paying a dividend for at least 10 years, so it has a reliable track record.

FSFG has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)22.41%

Div Incr Years11

Div Non Decr Years11

5.3 Sustainability

FSFG pays out 19.85% of its income as dividend. This is a sustainable payout ratio.

DP19.85%

EPS Next 2Y33.96%

EPS Next 3Y-24.06%

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FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (10/10/2025, 9:30:06 PM)

After market: 30.12 0 (0%)

30.12

-0.83 (-2.68%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners38.7%

Inst Owner Change-0.02%

Ins Owners13.92%

Ins Owner Change4.95%

Market Cap210.24M

Analysts82.22

Price Target31.96 (6.11%)

Short Float %1.89%

Short Ratio4.83

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.07%

Yearly Dividend0.59

Dividend Growth(5Y)22.41%

DP19.85%

Div Incr Years11

Div Non Decr Years11

Ex-Date09-15 2025-09-15 (0.16)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)16.69%

Min EPS beat(2)7.8%

Max EPS beat(2)25.58%

EPS beat(4)2

Avg EPS beat(4)5.15%

Min EPS beat(4)-8.96%

Max EPS beat(4)25.58%

EPS beat(8)4

Avg EPS beat(8)-24.49%

EPS beat(12)4

Avg EPS beat(12)-27.03%

EPS beat(16)6

Avg EPS beat(16)-18.03%

Revenue beat(2)1

Avg Revenue beat(2)-1.18%

Min Revenue beat(2)-3.18%

Max Revenue beat(2)0.82%

Revenue beat(4)2

Avg Revenue beat(4)3.52%

Min Revenue beat(4)-3.18%

Max Revenue beat(4)19.42%

Revenue beat(8)2

Avg Revenue beat(8)-1.42%

Revenue beat(12)4

Avg Revenue beat(12)0.17%

Revenue beat(16)8

Avg Revenue beat(16)25.53%

PT rev (1m)0%

PT rev (3m)-3.09%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.67%

EPS NY rev (1m)5.26%

EPS NY rev (3m)4.7%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.53%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.25%

Valuation

		Industry Rank	Sector Rank
PE	11.07
Fwd PE	8.48
P/S	2.62
P/FCF	N/A
P/OCF	N/A
P/B	1.14
P/tB	1.23
EV/EBITDA	N/A

EPS(TTM)2.72

EY9.03%

EPS(NY)3.55

Fwd EY11.8%

FCF(TTM)-3.7

FCFYN/A

OCF(TTM)-3.57

OCFYN/A

SpS11.5

BVpS26.34

TBVpS24.47

PEG (NY)0.16

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.89%
ROE	11.73%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.86%
GM	N/A
FCFM	N/A

ROA(3y)0.55%

ROA(5y)1.05%

ROE(3y)7.75%

ROE(5y)12.18%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.93%

PM growth 5Y-0.03%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	39.11%
Cap/Sales	1.13%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.36%

ROIC/WACCN/A

Cap/Depr(3y)59.62%

Cap/Depr(5y)161.31%

Cap/Sales(3y)1.7%

Cap/Sales(5y)2.46%

Profit Quality(3y)664.15%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)102.99%

EPS 3Y-21.78%

EPS 5Y-3.75%

EPS Q2Q%35%

EPS Next Y68.45%

EPS Next 2Y33.96%

EPS Next 3Y-24.06%

EPS Next 5YN/A

Revenue 1Y (TTM)8.94%

Revenue growth 3Y-26.47%

Revenue growth 5Y-3.42%

Sales Q2Q%15.07%

Revenue Next Year11.74%

Revenue Next 2Y9.53%

Revenue Next 3Y-31.58%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-136.29%

FCF growth 3Y-6.09%

FCF growth 5YN/A

OCF growth 1Y-133.58%

OCF growth 3Y-7.41%

OCF growth 5YN/A

FIRST SAVINGS FINANCIAL GRP (FSFG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens