FIRST SAVINGS FINANCIAL GRP (FSFG) Fundamental Analysis & Valuation

NASDAQ:FSFG • US33621E1091

33.98 USD
+0.95 (+2.88%)
At close: Jan 30, 2026
33.98 USD
0 (0%)
After Hours: 1/30/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FSFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

FSFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and the financial health of FSFG get a neutral evaluation. Nothing too spectacular is happening here. FSFG has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. FSFG Profitability Analysis

1.1 Basic Checks

  • FSFG had positive earnings in the past year.
  • In the past year FSFG had a positive cash flow from operations.
  • Each year in the past 5 years FSFG has been profitable.
  • FSFG had a positive operating cash flow in each 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

  • With a Return On Assets value of 0.97%, FSFG perfoms like the industry average, outperforming 55.73% of the companies in the same industry.
  • With an excellent Return On Equity value of 11.97%, FSFG belongs to the best of the industry, outperforming 80.99% of the companies in the same industry.
Industry RankSector Rank
ROA 0.97%
ROE 11.97%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.87%
ROE(3y)8.35%
ROE(5y)10.32%
ROIC(3y)N/A
ROIC(5y)N/A
FSFG Yearly ROA, ROE, ROICFSFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With a decent Profit Margin value of 27.52%, FSFG is doing good in the industry, outperforming 67.71% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FSFG has grown nicely.
  • FSFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.02%
PM growth 5Y8.28%
GM growth 3YN/A
GM growth 5YN/A
FSFG Yearly Profit, Operating, Gross MarginsFSFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. FSFG Health Analysis

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.
  • Compared to 5 years ago, FSFG has less shares outstanding
  • FSFG has a better debt/assets ratio than last year.
FSFG Yearly Shares OutstandingFSFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
FSFG Yearly Total Debt VS Total AssetsFSFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of FSFG is 0.37, which is an excellent value as it means it would take FSFG, only 0.37 years of fcf income to pay off all of its debts.
  • FSFG's Debt to FCF ratio of 0.37 is amongst the best of the industry. FSFG outperforms 83.07% of its industry peers.
  • FSFG has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
  • FSFG has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.37
Altman-Z N/A
ROIC/WACCN/A
WACC14.46%
FSFG Yearly LT Debt VS Equity VS FCFFSFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. FSFG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 52.02% over the past year.
  • The Earnings Per Share has been decreasing by -8.50% on average over the past years.
  • FSFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.21%.
  • FSFG shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.16% yearly.
EPS 1Y (TTM)52.02%
EPS 3Y9.38%
EPS 5Y-8.5%
EPS Q2Q%54.72%
Revenue 1Y (TTM)19.21%
Revenue growth 3Y-9.06%
Revenue growth 5Y-14.16%
Sales Q2Q%13.62%

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 -46.33% yearly.
  • Based on estimates for the next years, FSFG will show a very negative growth in Revenue. The Revenue will decrease by -46.46% on average per year.
EPS Next Y13.69%
EPS Next 2Y-46.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.41%
Revenue Next 2Y-46.46%
Revenue Next 3YN/A
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 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. FSFG Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.29, which indicates a very decent valuation of FSFG.
  • Based on the Price/Earnings ratio, FSFG is valued a bit cheaper than the industry average as 73.44% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.03, FSFG is valued rather cheaply.
  • FSFG is valuated reasonably with a Price/Forward Earnings ratio of 9.93.
  • Based on the Price/Forward Earnings ratio, FSFG is valued a bit cheaper than the industry average as 71.88% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 25.11. FSFG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.29
Fwd PE 9.93
FSFG Price Earnings VS Forward Price EarningsFSFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 96.61% of the companies in the same industry are more expensive than FSFG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.04
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

  • FSFG's 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 -46.33% in the coming years. This may justify a cheaper valuation.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y-46.33%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FSFG Dividend Analysis

5.1 Amount

  • FSFG has a Yearly Dividend Yield of 1.88%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.72, FSFG is paying slightly less dividend.
  • FSFG's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

  • The dividend of FSFG is nicely growing with an annual growth rate of 22.92%!
  • 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)22.92%
Div Incr Years11
Div Non Decr Years11
FSFG Yearly Dividends per shareFSFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • 18.93% of the earnings are spent on dividend by FSFG. This is a low number and sustainable payout ratio.
DP18.93%
EPS Next 2Y-46.33%
EPS Next 3YN/A
FSFG Yearly Income VS Free CF VS DividendFSFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M
FSFG Dividend Payout.FSFG Dividend Payout, showing the Payout Ratio.FSFG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

FSFG Fundamentals: All Metrics, Ratios and Statistics

FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (1/30/2026, 8:00:00 PM)

After market: 33.98 0 (0%)

33.98

+0.95 (+2.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29
Earnings (Next)02-10
Inst Owners40.67%
Inst Owner Change4.86%
Ins Owners14.45%
Ins Owner Change37.1%
Market Cap237.52M
Revenue(TTM)84.15M
Net Income(TTM)23.16M
Analysts82.22
Price Target33.66 (-0.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend0.63
Dividend Growth(5Y)22.92%
DP18.93%
Div Incr Years11
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.32%
Min EPS beat(2)-1.16%
Max EPS beat(2)7.8%
EPS beat(4)2
Avg EPS beat(4)5.82%
Min EPS beat(4)-8.96%
Max EPS beat(4)25.58%
EPS beat(8)4
Avg EPS beat(8)3.42%
EPS beat(12)4
Avg EPS beat(12)-23.74%
EPS beat(16)5
Avg EPS beat(16)-18.89%
Revenue beat(2)0
Avg Revenue beat(2)-2.61%
Min Revenue beat(2)-3.18%
Max Revenue beat(2)-2.04%
Revenue beat(4)2
Avg Revenue beat(4)3.75%
Min Revenue beat(4)-3.18%
Max Revenue beat(4)19.42%
Revenue beat(8)2
Avg Revenue beat(8)-1.21%
Revenue beat(12)3
Avg Revenue beat(12)-1.67%
Revenue beat(16)7
Avg Revenue beat(16)19.81%
PT rev (1m)2.06%
PT rev (3m)5.32%
EPS NQ rev (1m)-4.83%
EPS NQ rev (3m)-5.2%
EPS NY rev (1m)-3.68%
EPS NY rev (3m)-3.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.86%
Revenue NY rev (1m)1.9%
Revenue NY rev (3m)1.9%
Valuation
Industry RankSector Rank
PE 11.29
Fwd PE 9.93
P/S 2.82
P/FCF 3.04
P/OCF 3
P/B 1.23
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)3.01
EY8.86%
EPS(NY)3.42
Fwd EY10.07%
FCF(TTM)11.2
FCFY32.95%
OCF(TTM)11.32
OCFY33.32%
SpS12.04
BVpS27.68
TBVpS25.8
PEG (NY)0.82
PEG (5Y)N/A
Graham Number43.3
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 11.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.52%
GM N/A
FCFM 92.99%
ROA(3y)0.63%
ROA(5y)0.87%
ROE(3y)8.35%
ROE(5y)10.32%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.02%
PM growth 5Y8.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.37
Debt/EBITDA N/A
Cap/Depr 39.17%
Cap/Sales 1.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 337.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.46%
ROIC/WACCN/A
Cap/Depr(3y)61.3%
Cap/Depr(5y)92.3%
Cap/Sales(3y)1.8%
Cap/Sales(5y)1.86%
Profit Quality(3y)456.18%
Profit Quality(5y)539.91%
High Growth Momentum
Growth
EPS 1Y (TTM)52.02%
EPS 3Y9.38%
EPS 5Y-8.5%
EPS Q2Q%54.72%
EPS Next Y13.69%
EPS Next 2Y-46.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.21%
Revenue growth 3Y-9.06%
Revenue growth 5Y-14.16%
Sales Q2Q%13.62%
Revenue Next Year9.41%
Revenue Next 2Y-46.46%
Revenue Next 3YN/A
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-13.55%
FCF growth 3Y-19.13%
FCF growth 5YN/A
OCF growth 1Y-13.24%
OCF growth 3Y-18.98%
OCF growth 5YN/A

FIRST SAVINGS FINANCIAL GRP / FSFG FAQ

What is the ChartMill fundamental rating of FIRST SAVINGS FINANCIAL GRP (FSFG) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FSFG.


What is the valuation status of FIRST SAVINGS FINANCIAL GRP (FSFG) stock?

ChartMill assigns a valuation rating of 6 / 10 to FIRST SAVINGS FINANCIAL GRP (FSFG). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST SAVINGS FINANCIAL GRP?

FIRST SAVINGS FINANCIAL GRP (FSFG) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for FSFG stock?

The Earnings per Share (EPS) of FIRST SAVINGS FINANCIAL GRP (FSFG) is expected to grow by 13.69% in the next year.


How sustainable is the dividend of FIRST SAVINGS FINANCIAL GRP (FSFG) stock?

The dividend rating of FIRST SAVINGS FINANCIAL GRP (FSFG) is 5 / 10 and the dividend payout ratio is 18.93%.