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FIRST SAVINGS FINANCIAL GRP (FSFG) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FSFG - US33621E1091 - Common Stock

31.07 USD
-0.07 (-0.22%)
Last: 11/26/2025, 8:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FSFG. FSFG was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of FSFG have multiple concerns. FSFG has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FSFG was profitable.
FSFG had a negative operating cash flow in the past year.
In the past 5 years FSFG has always been profitable.
Of the past 5 years FSFG 4 years had a positive operating cash flow.
FSFG Yearly Net Income VS EBIT VS OCF VS FCFFSFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

FSFG has a Return On Assets (0.89%) which is in line with its industry peers.
FSFG has a Return On Equity of 11.73%. This is in the better half of the industry: FSFG outperforms 79.59% of its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 11.73%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FSFG Yearly ROA, ROE, ROICFSFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

FSFG has a Profit Margin of 26.86%. This is in the better half of the industry: FSFG outperforms 65.89% of its industry peers.
FSFG's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 26.86%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.02%
PM growth 5Y8.28%
GM growth 3YN/A
GM growth 5YN/A
FSFG Yearly Profit, Operating, Gross MarginsFSFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

FSFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
FSFG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FSFG Yearly Shares OutstandingFSFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
FSFG Yearly Total Debt VS Total AssetsFSFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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 RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.2%
FSFG Yearly LT Debt VS Equity VS FCFFSFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FSFG Yearly Current Assets VS Current LiabilitesFSFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 52.02% over the past year.
FSFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.50% yearly.
Looking at the last year, FSFG shows a quite strong growth in Revenue. The Revenue has grown by 19.21% in the last year.
The Revenue for FSFG have been decreasing by -14.16% on average. This is quite bad
EPS 1Y (TTM)52.02%
EPS 3Y9.38%
EPS 5Y-8.5%
EPS Q2Q%54.72%
Revenue 1Y (TTM)19.21%
Revenue growth 3Y-9.06%
Revenue growth 5Y-14.16%
Sales Q2Q%13.62%

3.2 Future

The Earnings Per Share is expected to decrease by -46.33% on average over the next years. This is quite bad
FSFG is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -46.46% yearly.
EPS Next Y18.04%
EPS Next 2Y-46.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.37%
Revenue Next 2Y-46.46%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FSFG Yearly Revenue VS EstimatesFSFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
FSFG Yearly EPS VS EstimatesFSFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

FSFG is valuated reasonably with a Price/Earnings ratio of 10.32.
FSFG's Price/Earnings ratio is a bit cheaper when compared to the industry. FSFG is cheaper than 71.83% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.15. FSFG is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.74, which indicates a very decent valuation of FSFG.
72.87% of the companies in the same industry are more expensive than FSFG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FSFG to the average of the S&P500 Index (36.12), we can say FSFG is valued rather cheaply.
Industry RankSector Rank
PE 10.32
Fwd PE 8.74
FSFG Price Earnings VS Forward Price EarningsFSFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FSFG Per share dataFSFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

FSFG's 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 -46.33% in the coming years.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y-46.33%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.18%, FSFG has a reasonable but not impressive dividend return.
FSFG's Dividend Yield is slightly below the industry average, which is at 3.33.
FSFG's Dividend Yield is comparable with the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 2.18%

5.2 History

On average, the dividend of FSFG grows each year by 22.41%, which is quite nice.
FSFG has paid a dividend for at least 10 years, which is 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
FSFG Yearly Dividends per shareFSFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

19.85% of the earnings are spent on dividend by FSFG. This is a low number and sustainable payout ratio.
DP19.85%
EPS Next 2Y-46.33%
EPS Next 3YN/A
FSFG Yearly Income VS Free CF VS DividendFSFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M
FSFG Dividend Payout.FSFG Dividend Payout, showing the Payout Ratio.FSFG Dividend Payout.PayoutRetained Earnings

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FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (11/26/2025, 8:00:00 PM)

31.07

-0.07 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)01-26 2026-01-26
Inst Owners38.7%
Inst Owner Change4.81%
Ins Owners13.92%
Ins Owner Change1.4%
Market Cap217.18M
Revenue(TTM)84.15M
Net Income(TTM)21.56M
Analysts82.22
Price Target32.98 (6.15%)
Short Float %1.16%
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 2.18%
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)3.19%
PT rev (3m)3.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.09%
EPS NY rev (1m)0%
EPS NY rev (3m)1.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.38%
Valuation
Industry RankSector Rank
PE 10.32
Fwd PE 8.74
P/S 2.71
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)3.01
EY9.69%
EPS(NY)3.55
Fwd EY11.44%
FCF(TTM)-3.7
FCFYN/A
OCF(TTM)-3.57
OCFYN/A
SpS11.48
BVpS26.3
TBVpS24.44
PEG (NY)0.57
PEG (5Y)N/A
Graham Number42.2
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.02%
PM growth 5Y8.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector 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
WACC12.2%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)52.02%
EPS 3Y9.38%
EPS 5Y-8.5%
EPS Q2Q%54.72%
EPS Next Y18.04%
EPS Next 2Y-46.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.21%
Revenue growth 3Y-9.06%
Revenue growth 5Y-14.16%
Sales Q2Q%13.62%
Revenue Next Year7.37%
Revenue Next 2Y-46.46%
Revenue Next 3YN/A
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-123.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-122.92%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST SAVINGS FINANCIAL GRP / FSFG FAQ

What is the ChartMill fundamental rating of FIRST SAVINGS FINANCIAL GRP (FSFG) stock?

ChartMill assigns a fundamental rating of 3 / 10 to FSFG.


What is the valuation status for FSFG stock?

ChartMill assigns a valuation rating of 5 / 10 to FIRST SAVINGS FINANCIAL GRP (FSFG). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST SAVINGS FINANCIAL GRP?

FIRST SAVINGS FINANCIAL GRP (FSFG) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for FSFG stock?

The Earnings per Share (EPS) of FIRST SAVINGS FINANCIAL GRP (FSFG) is expected to grow by 18.04% in the next year.


Is the dividend of FIRST SAVINGS FINANCIAL GRP sustainable?

The dividend rating of FIRST SAVINGS FINANCIAL GRP (FSFG) is 5 / 10 and the dividend payout ratio is 19.85%.