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 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.

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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.

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 Rank	Sector 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

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 Rank	Sector 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

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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.

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

FSFG has a better debt/assets ratio than last year.

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 Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.81%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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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.

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.

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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 Rank	Sector Rank
PE	9.55
Fwd PE	7.44

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)0.16

PEG (5Y)N/A

EPS Next 2Y32.8%

EPS Next 3Y-24.06%

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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 Rank	Sector 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

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%

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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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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

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