FSFG Fundamental Analysis - FIRST SAVINGS FINANCIAL GRP

Fundamental Rating

FSFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. FSFG has a bad profitability rating. Also its financial health evaluation is rather negative. FSFG has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year FSFG was profitable.

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

Each year in the past 5 years FSFG has been profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 0.89%, FSFG is in line with its industry, outperforming 52.55% of the companies in the same industry.

FSFG's Return On Equity of 11.73% is amongst the best of the industry. FSFG outperforms 81.63% of its industry peers.

		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

Looking at the Profit Margin, with a value of 26.86%, FSFG is in the better half of the industry, outperforming 68.88% of the companies in the same industry.

In the last couple of years the Profit Margin of FSFG has remained more or less at the same level.

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.

FSFG has more shares outstanding than it did 1 year ago.

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

Compared to 1 year ago, FSFG has an improved debt to assets ratio.

2.2 Solvency

FSFG has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.

FSFG has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: FSFG outperforms 55.10% of its industry peers.

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

ROIC/WACCN/A

WACC12.71%

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.

Measured over the past years, FSFG shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.75% on average per year.

The Revenue has grown by 8.94% in the past year. This is quite good.

FSFG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.42% yearly.

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

The Earnings Per Share is expected to decrease by -24.06% on average over the next years. This is quite bad

The Revenue is expected to decrease by -31.58% on average over the next years. This is quite bad

EPS Next Y60.04%

EPS Next 2Y32.47%

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.

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

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

FSFG is valuated reasonably with a Price/Earnings ratio of 10.08.

Based on the Price/Earnings ratio, FSFG is valued cheaper than 82.65% of the companies in the same industry.

When comparing the Price/Earnings ratio of FSFG to the average of the S&P500 Index (27.41), we can say FSFG is valued rather cheaply.

With a Price/Forward Earnings ratio of 7.89, the valuation of FSFG can be described as very cheap.

87.50% of the companies in the same industry are more expensive than FSFG, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.88. FSFG is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.08
Fwd PE	7.89

4.2 Price Multiples

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

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 -24.06% in the coming years.

PEG (NY)0.17

PEG (5Y)N/A

EPS Next 2Y32.47%

EPS Next 3Y-24.06%

More info and screens

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5. Dividend

5.1 Amount

FSFG has a Yearly Dividend Yield of 2.31%.

FSFG's Dividend Yield is slightly below the industry average, which is at 3.73.

FSFG's Dividend Yield is comparable with the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.31%

5.2 History

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

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

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 2Y32.47%

EPS Next 3Y-24.06%

More info and screens

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FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (9/19/2025, 4:30:00 PM)

After market: 27.43 0 (0%)

27.43

-0.29 (-1.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-22 2025-10-22/amc

Inst Owners36.55%

Inst Owner Change9.78%

Ins Owners14.03%

Ins Owner Change4.34%

Market Cap191.46M

Analysts82.22

Price Target31.96 (16.51%)

Short Float %2%

Short Ratio5.63

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.31%

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)2.09%

EPS NQ rev (3m)13.49%

EPS NY rev (1m)-0.53%

EPS NY rev (3m)3.38%

Revenue NQ rev (1m)-1.53%

Revenue NQ rev (3m)5.31%

Revenue NY rev (1m)-8.01%

Revenue NY rev (3m)-0.25%

Valuation

		Industry Rank	Sector Rank
PE	10.08
Fwd PE	7.89
P/S	2.38
P/FCF	N/A
P/OCF	N/A
P/B	1.04
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)2.72

EY9.92%

EPS(NY)3.47

Fwd EY12.67%

FCF(TTM)-3.7

FCFYN/A

OCF(TTM)-3.57

OCFYN/A

SpS11.5

BVpS26.34

TBVpS24.47

PEG (NY)0.17

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

WACC12.71%

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 Y60.04%

EPS Next 2Y32.47%

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