FIRST SAVINGS FINANCIAL GRP(NASDAQ:FSFG) stock Fundamental Analysis

Fundamental Rating

FSFG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of FSFG have multiple concerns. FSFG is valued correctly, 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 positive operating cash flow in the past year.

In the past 5 years FSFG has always been profitable.

Of the past 5 years FSFG 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.79%, FSFG is in line with its industry, outperforming 46.48% of the companies in the same industry.

With a decent Return On Equity value of 10.74%, FSFG is doing good in the industry, outperforming 74.87% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

FSFG has a Profit Margin (25.11%) which is comparable to the rest of the industry.

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)	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

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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.

Compared to 5 years ago, FSFG has less shares outstanding

Compared to 1 year ago, FSFG has an improved debt to assets ratio.

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.

The Debt to FCF ratio of FSFG (6.39) is worse than 72.11% of its industry peers.

A Debt/Equity ratio of 0.28 indicates that FSFG is not too dependend on debt financing.

The Debt to Equity ratio of FSFG (0.28) is worse than 64.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	6.39
Altman-Z	N/A

ROIC/WACCN/A

WACC12.68%

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 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%.

FSFG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.42% yearly.

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

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.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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

A Price/Earnings ratio of 10.40 indicates a reasonable valuation of FSFG.

Based on the Price/Earnings ratio, FSFG is valued a bit cheaper than 70.10% of the companies in the same industry.

FSFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

With a Price/Forward Earnings ratio of 9.37, 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 21.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.4
Fwd PE	9.37

4.2 Price Multiples

76.38% of the companies in the same industry are cheaper than FSFG, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	23.32
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)0.4

PEG (5Y)N/A

EPS Next 2Y17.67%

EPS Next 3Y-24.06%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.71%, FSFG has a reasonable but not impressive dividend return.

FSFG's Dividend Yield is slightly below the industry average, which is at 3.63.

FSFG's Dividend Yield is comparable with the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	2.71%

5.2 History

On average, the dividend of FSFG grows each year by 22.41%, which is quite nice.

FSFG has been paying a dividend for at least 10 years, so it has 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

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%

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FIRST SAVINGS FINANCIAL GRP

NASDAQ:FSFG (4/25/2025, 11:49:31 AM)

25.69

+0.3 (+1.18%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)04-28 2025-04-28/amc

Inst Owners34.73%

Inst Owner Change0%

Ins Owners13.6%

Ins Owner Change7.11%

Market Cap177.52M

Analysts80

Price Target28.9 (12.5%)

Short Float %0.32%

Short Ratio1.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.71%

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)-10.53%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-10.87%

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 Rank	Sector Rank
PE	10.4
Fwd PE	9.37
P/S	2.36
P/FCF	23.32
P/OCF	21.03
P/B	1.01
P/tB	1.09
EV/EBITDA	N/A

EPS(TTM)2.47

EY9.61%

EPS(NY)2.74

Fwd EY10.67%

FCF(TTM)1.1

FCFY4.29%

OCF(TTM)1.22

OCFY4.76%

SpS10.89

BVpS25.47

TBVpS23.61

PEG (NY)0.4

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC12.68%

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

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