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FIRST SAVINGS FINANCIAL GRP (FSFG) Stock Fundamental Analysis

NASDAQ:FSFG - Nasdaq - US33621E1091 - Common Stock - Currency: USD

25.97  +0.04 (+0.15%)

After market: 25.97 0 (0%)

Fundamental Rating

3

FSFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

FSFG had positive earnings in the past year.
In the past year FSFG has reported a negative cash flow from operations.
Each year in the past 5 years FSFG has been profitable.
FSFG had a positive operating cash flow in 4 of the past 5 years.
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 0 50M -50M 100M -100M

1.2 Ratios

FSFG has a Return On Assets (0.82%) which is comparable to the rest of the industry.
FSFG has a Return On Equity of 10.87%. This is in the better half of the industry: FSFG outperforms 76.52% of its industry peers.
Industry RankSector Rank
ROA 0.82%
ROE 10.87%
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
FSFG Yearly ROA, ROE, ROICFSFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 25.36%, FSFG is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
FSFG's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for FSFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.36%
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
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 5 10 15 20 25

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 more shares outstanding than it did 1 year ago.
FSFG has less shares outstanding than it did 5 years ago.
FSFG has a better debt/assets ratio than last year.
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

FSFG has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.27, FSFG is not doing good in the industry: 67.68% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.81%
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

1

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 a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.78%.
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)-18.78%
Revenue growth 3Y-26.47%
Revenue growth 5Y-3.42%
Sales Q2Q%46.21%

3.2 Future

The Earnings Per Share is expected to decrease by -24.06% on average over the next years. This is quite bad
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 Y60.9%
EPS Next 2Y32.8%
EPS Next 3Y-24.06%
EPS Next 5YN/A
Revenue Next Year12.02%
Revenue Next 2Y10.3%
Revenue Next 3Y-31.58%
Revenue Next 5YN/A

3.3 Evolution

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

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.55, the valuation of FSFG can be described as reasonable.
Based on the Price/Earnings ratio, FSFG is valued cheaply inside the industry as 85.35% of the companies are valued more expensively.
FSFG is valuated cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.44, the valuation of FSFG can be described as very cheap.
FSFG's Price/Forward Earnings ratio is rather cheap when compared to the industry. FSFG is cheaper than 86.62% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FSFG to the average of the S&P500 Index (37.64), we can say FSFG is valued rather cheaply.
Industry RankSector Rank
PE 9.55
Fwd PE 7.44
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 10 20

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)0.16
PEG (5Y)N/A
EPS Next 2Y32.8%
EPS Next 3Y-24.06%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.46%, FSFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.27, FSFG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, FSFG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.46%

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
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

FSFG pays out 21.57% of its income as dividend. This is a sustainable payout ratio.
DP21.57%
EPS Next 2Y32.8%
EPS Next 3Y-24.06%
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 0 50M -50M 100M -100M
FSFG Dividend Payout.FSFG Dividend Payout, showing the Payout Ratio.FSFG Dividend Payout.PayoutRetained Earnings

FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (7/25/2025, 8:00:00 PM)

After market: 25.97 0 (0%)

25.97

+0.04 (+0.15%)

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 Owners35.9%
Inst Owner Change0%
Ins Owners14.03%
Ins Owner Change4.53%
Market Cap179.71M
Analysts82.22
Price Target32.98 (26.99%)
Short Float %2.58%
Short Ratio3.62
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
Yearly Dividend0.59
Dividend Growth(5Y)22.41%
DP21.57%
Div Incr Years11
Div Non Decr Years11
Ex-Date06-13 2025-06-13 (0.16)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.31%
Min EPS beat(2)-8.96%
Max EPS beat(2)25.58%
EPS beat(4)2
Avg EPS beat(4)9.16%
Min EPS beat(4)-8.96%
Max EPS beat(4)25.58%
EPS beat(8)3
Avg EPS beat(8)-30.45%
EPS beat(12)3
Avg EPS beat(12)-31.4%
EPS beat(16)5
Avg EPS beat(16)-20.11%
Revenue beat(2)2
Avg Revenue beat(2)10.12%
Min Revenue beat(2)0.82%
Max Revenue beat(2)19.42%
Revenue beat(4)2
Avg Revenue beat(4)3.72%
Min Revenue beat(4)-2.96%
Max Revenue beat(4)19.42%
Revenue beat(8)2
Avg Revenue beat(8)-1.78%
Revenue beat(12)5
Avg Revenue beat(12)6.62%
Revenue beat(16)9
Avg Revenue beat(16)32.57%
PT rev (1m)0%
PT rev (3m)14.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.81%
EPS NY rev (1m)0%
EPS NY rev (3m)27.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.32%
Valuation
Industry RankSector Rank
PE 9.55
Fwd PE 7.44
P/S 2.34
P/FCF N/A
P/OCF N/A
P/B 1
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)2.72
EY10.47%
EPS(NY)3.49
Fwd EY13.45%
FCF(TTM)-4.77
FCFYN/A
OCF(TTM)-4.63
OCFYN/A
SpS11.09
BVpS25.89
TBVpS24.03
PEG (NY)0.16
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 10.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.36%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 40.78%
Cap/Sales 1.24%
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-Score5
WACC12.81%
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 Y60.9%
EPS Next 2Y32.8%
EPS Next 3Y-24.06%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.78%
Revenue growth 3Y-26.47%
Revenue growth 5Y-3.42%
Sales Q2Q%46.21%
Revenue Next Year12.02%
Revenue Next 2Y10.3%
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-133.86%
FCF growth 3Y-6.09%
FCF growth 5YN/A
OCF growth 1Y-132.15%
OCF growth 3Y-7.41%
OCF growth 5YN/A