FSFG Fundamental Analysis - FIRST SAVINGS FINANCIAL GRP

Fundamental Rating

Taking everything into account, FSFG scores 3 out of 10 in our fundamental rating. FSFG was compared to 393 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

FSFG had positive earnings in the past year.

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

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.

1.2 Ratios

With a Return On Assets value of 0.89%, FSFG perfoms like the industry average, outperforming 53.44% of the companies in the same industry.

With an excellent Return On Equity value of 11.73%, FSFG belongs to the best of the industry, outperforming 81.93% 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 Profit Margin of 26.86%. This is in the better half of the industry: FSFG outperforms 69.72% of its industry peers.

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.

Compared to 1 year ago, FSFG has more shares outstanding

FSFG has less shares outstanding than it did 5 years ago.

The debt/assets ratio for FSFG has been reduced compared to a year ago.

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.

The Debt to Equity ratio of FSFG (0.16) 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

WACC12.61%

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.

Measured over the past years, FSFG shows a decrease in Revenue. The Revenue has been decreasing by -3.42% on average per year.

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.

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 Year12.13%

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.

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 10.10, which indicates a very decent valuation of FSFG.

FSFG's Price/Earnings ratio is rather cheap when compared to the industry. FSFG is cheaper than 81.42% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.24, FSFG is valued rather cheaply.

The Price/Forward Earnings ratio is 7.91, which indicates a rather cheap valuation of FSFG.

Based on the Price/Forward Earnings ratio, FSFG is valued cheaply inside the industry as 86.26% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, FSFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.1
Fwd PE	7.91

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)0.17

PEG (5Y)N/A

EPS Next 2Y32.47%

EPS Next 3Y-24.06%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.44%, FSFG has a reasonable but not impressive dividend return.

FSFG's Dividend Yield is slightly below the industry average, which is at 3.30.

Compared to an average S&P500 Dividend Yield of 2.34, FSFG has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.44%

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

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%

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FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (8/25/2025, 2:25:57 PM)

27.48

-0.16 (-0.58%)

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 Change4.53%

Market Cap191.81M

Analysts82.22

Price Target31.96 (16.3%)

Short Float %2.42%

Short Ratio3.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.44%

Yearly Dividend0.59

Dividend Growth(5Y)22.41%

DP19.85%

Div Incr Years11

Div Non Decr Years11

Ex-Date06-13 2025-06-13 (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)-3.09%

PT rev (3m)4.44%

EPS NQ rev (1m)-0.42%

EPS NQ rev (3m)11.16%

EPS NY rev (1m)-0.53%

EPS NY rev (3m)3.38%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)6.94%

Revenue NY rev (1m)0.1%

Revenue NY rev (3m)0.18%

Valuation

		Industry Rank	Sector Rank
PE	10.1
Fwd PE	7.91
P/S	2.39
P/FCF	N/A
P/OCF	N/A
P/B	1.04
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)2.72

EY9.9%

EPS(NY)3.47

Fwd EY12.64%

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

WACC12.61%

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 Year12.13%

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-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