Logo image of FSFG

FIRST SAVINGS FINANCIAL GRP (FSFG) Stock Fundamental Analysis

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

24.66  -0.35 (-1.4%)

Fundamental Rating

2

FSFG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 402 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

Quickly go to:

3

1. Profitability

1.1 Basic Checks

FSFG had positive earnings in the past year.
In the past year FSFG had a positive cash flow from operations.
FSFG had positive earnings in each of the past 5 years.
Of the past 5 years FSFG 4 years had a positive operating cash flow.
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 of 0.79%. This is comparable to the rest of the industry: FSFG outperforms 47.76% of its industry peers.
With a decent Return On Equity value of 10.74%, FSFG is doing good in the industry, outperforming 76.12% of the companies in the same industry.
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

The Profit Margin of FSFG (25.11%) is better than 60.20% of its industry peers.
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) 25.11%
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

More info and screens

1

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
The number of shares outstanding for FSFG has been reduced compared to 5 years ago.
The debt/assets ratio for FSFG has been reduced compared to a year ago.
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 to FCF ratio of 6.39. This is a slightly negative value and a sign of low solvency as FSFG would need 6.39 years to pay back of all of its debts.
FSFG has a Debt to FCF ratio of 6.39. This is in the lower half of the industry: FSFG underperforms 69.15% of its industry peers.
FSFG has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.28, FSFG is doing worse than 62.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 6.39
Altman-Z N/A
ROIC/WACCN/A
WACC12.6%
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

More info and screens

1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 174.44% 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.
FSFG shows a decrease in Revenue. In the last year, the revenue decreased by -8.66%.
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)174.44%
EPS 3Y-21.78%
EPS 5Y-3.75%
EPS Q2Q%376.92%
Revenue 1Y (TTM)-8.66%
Revenue growth 3Y-26.47%
Revenue growth 5Y-3.42%
Sales Q2Q%38.41%

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.
FSFG is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -31.58% yearly.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

FSFG is valuated reasonably with a Price/Earnings ratio of 9.98.
FSFG's Price/Earnings ratio is a bit cheaper when compared to the industry. FSFG is cheaper than 78.36% of the companies in the same industry.
When comparing the Price/Earnings ratio of FSFG to the average of the S&P500 Index (29.35), we can say FSFG is valued rather cheaply.
A Price/Forward Earnings ratio of 8.99 indicates a reasonable valuation of FSFG.
Based on the Price/Forward Earnings ratio, FSFG is valued cheaply inside the industry as 80.35% of the companies are valued more expensively.
FSFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.98
Fwd PE 8.99
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

71.64% of the companies in the same industry are cheaper than FSFG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.39
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 -24.06% in the coming years. This may justify a cheaper valuation.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y17.67%
EPS Next 3Y-24.06%

More info and screens

5

5. Dividend

5.1 Amount

FSFG has a Yearly Dividend Yield of 2.56%.
Compared to an average industry Dividend Yield of 3.37, FSFG is paying slightly less dividend.
FSFG's Dividend Yield is comparable with the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 2.56%

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 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

21.82% of the earnings are spent on dividend by FSFG. This is a low number and 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

More info and screens

FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (3/7/2025, 8:00:01 PM)

24.66

-0.35 (-1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners34.73%
Inst Owner Change2.98%
Ins Owners13.6%
Ins Owner Change3.54%
Market Cap170.40M
Analysts80
Price Target28.9 (17.19%)
Short Float %0.29%
Short Ratio1.47
Dividend
Industry RankSector Rank
Dividend Yield 2.56%
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)-7.61%
PT rev (3m)-8.6%
EPS NQ rev (1m)-1.11%
EPS NQ rev (3m)-10.87%
EPS NY rev (1m)-13.14%
EPS NY rev (3m)-13.14%
Revenue NQ rev (1m)-8.62%
Revenue NQ rev (3m)-4.37%
Revenue NY rev (1m)-8.06%
Revenue NY rev (3m)-1.63%
Valuation
Industry RankSector Rank
PE 9.98
Fwd PE 8.99
P/S 2.26
P/FCF 22.39
P/OCF 20.18
P/B 0.97
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)2.47
EY10.02%
EPS(NY)2.74
Fwd EY11.12%
FCF(TTM)1.1
FCFY4.47%
OCF(TTM)1.22
OCFY4.95%
SpS10.89
BVpS25.47
TBVpS23.61
PEG (NY)0.38
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
WACC12.6%
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)174.44%
EPS 3Y-21.78%
EPS 5Y-3.75%
EPS Q2Q%376.92%
EPS Next Y26.21%
EPS Next 2Y17.67%
EPS Next 3Y-24.06%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.66%
Revenue growth 3Y-26.47%
Revenue growth 5Y-3.42%
Sales Q2Q%38.41%
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