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FIRST SAVINGS FINANCIAL GRP (FSFG) Stock Fundamental Analysis

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

27.53  +0.23 (+0.84%)

Fundamental Rating

2

Taking everything into account, FSFG scores 2 out of 10 in our fundamental rating. FSFG was compared to 397 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FSFG was profitable.
In the past year FSFG had a positive cash flow from operations.
FSFG had positive earnings in each of the past 5 years.
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 (0.79%) which is in line with its industry peers.
The Return On Equity of FSFG (10.74%) is better than 74.81% of its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 10.74%
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

FSFG has a better Profit Margin (25.11%) than 60.45% of its industry peers.
In the last couple of years the Profit Margin of FSFG has remained more or less at the same level.
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) 25.11%
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

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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.
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.
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

The Debt to FCF ratio of FSFG is 6.39, which is on the high side as it means it would take FSFG, 6.39 years of fcf income to pay off all of its debts.
FSFG has a worse Debt to FCF ratio (6.39) than 73.80% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that FSFG is not too dependend on debt financing.
FSFG's Debt to Equity ratio of 0.28 is on the low side compared to the rest of the industry. FSFG is outperformed by 66.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 6.39
Altman-Z N/A
ROIC/WACCN/A
WACC12.58%
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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1

3. Growth

3.1 Past

FSFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 67.80%, which is quite impressive.
The Earnings Per Share has been decreasing by -3.75% on average over the past years.
FSFG shows a decrease in Revenue. In the last year, the revenue decreased by -1.61%.
FSFG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.42% yearly.
EPS 1Y (TTM)67.8%
EPS 3Y-21.78%
EPS 5Y-3.75%
EPS Q2Q%10%
Revenue 1Y (TTM)-1.61%
Revenue growth 3Y-26.47%
Revenue growth 5Y-3.42%
Sales Q2Q%36.36%

3.2 Future

FSFG is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -24.06% yearly.
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 Y26.21%
EPS Next 2Y17.67%
EPS Next 3Y-24.06%
EPS Next 5YN/A
Revenue Next Year6.36%
Revenue Next 2Y5.19%
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

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.90, the valuation of FSFG can be described as correct.
61.96% of the companies in the same industry are cheaper than FSFG, based on the Price/Earnings ratio.
FSFG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.21.
With a Price/Forward Earnings ratio of 10.04, the valuation of FSFG can be described as very reasonable.
FSFG's Price/Forward Earnings ratio is in line with the industry average.
FSFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.9
Fwd PE 10.04
FSFG Price Earnings VS Forward Price EarningsFSFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FSFG is valued a bit more expensive than 77.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.99
EV/EBITDA N/A
FSFG Per share dataFSFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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.
FSFG's earnings are expected to decrease with -24.06% in the coming years. This may justify a cheaper valuation.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y17.67%
EPS Next 3Y-24.06%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.33%, FSFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.44, FSFG is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, FSFG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.33%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)22.41%
Div Incr Years10
Div Non Decr Years10
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 21.82% of its income as dividend. This is a sustainable payout ratio.
DP21.82%
EPS Next 2Y17.67%
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

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FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (5/9/2025, 8:00:01 PM)

27.53

+0.23 (+0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners34.73%
Inst Owner Change0.51%
Ins Owners13.6%
Ins Owner Change7.11%
Market Cap190.23M
Analysts80
Price Target28.9 (4.98%)
Short Float %0.37%
Short Ratio1.96
Dividend
Industry RankSector Rank
Dividend Yield 2.33%
Yearly Dividend0.59
Dividend Growth(5Y)22.41%
DP21.82%
Div Incr Years10
Div Non Decr Years10
Ex-Date03-14 2025-03-14 (0.16)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.4%
Min EPS beat(2)-8.96%
Max EPS beat(2)-3.84%
EPS beat(4)2
Avg EPS beat(4)16.85%
Min EPS beat(4)-8.96%
Max EPS beat(4)56.34%
EPS beat(8)2
Avg EPS beat(8)-35.07%
EPS beat(12)3
Avg EPS beat(12)-26.9%
EPS beat(16)4
Avg EPS beat(16)-22.22%
Revenue beat(2)1
Avg Revenue beat(2)8.23%
Min Revenue beat(2)-2.96%
Max Revenue beat(2)19.42%
Revenue beat(4)1
Avg Revenue beat(4)2.45%
Min Revenue beat(4)-4.27%
Max Revenue beat(4)19.42%
Revenue beat(8)1
Avg Revenue beat(8)-3.23%
Revenue beat(12)5
Avg Revenue beat(12)17.69%
Revenue beat(16)9
Avg Revenue beat(16)39.84%
PT rev (1m)0%
PT rev (3m)-7.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.63%
Valuation
Industry RankSector Rank
PE 13.9
Fwd PE 10.04
P/S 2.53
P/FCF 24.99
P/OCF 22.53
P/B 1.08
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)1.98
EY7.19%
EPS(NY)2.74
Fwd EY9.96%
FCF(TTM)1.1
FCFY4%
OCF(TTM)1.22
OCFY4.44%
SpS10.89
BVpS25.47
TBVpS23.61
PEG (NY)0.53
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 10.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.11%
GM N/A
FCFM 10.11%
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 RankSector Rank
Debt/Equity 0.28
Debt/FCF 6.39
Debt/EBITDA N/A
Cap/Depr 35.35%
Cap/Sales 1.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 40.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.58%
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)67.8%
EPS 3Y-21.78%
EPS 5Y-3.75%
EPS Q2Q%10%
EPS Next Y26.21%
EPS Next 2Y17.67%
EPS Next 3Y-24.06%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.61%
Revenue growth 3Y-26.47%
Revenue growth 5Y-3.42%
Sales Q2Q%36.36%
Revenue Next Year6.36%
Revenue Next 2Y5.19%
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-93.83%
FCF growth 3Y-6.09%
FCF growth 5YN/A
OCF growth 1Y-93.24%
OCF growth 3Y-7.41%
OCF growth 5YN/A