A Business at a Glance
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First Savings Financial Group, Inc.
FSFG
First Savings Financial Group, Inc. (FSFG) has a current P/E ratio of 10.2, compared to its historical median P/E of 17.5. The stock is currently considered Fair based on its historical valuation range.
First Savings Financial Group, Inc. (FSFG) has a 5-year average return on invested capital (ROIC) of 10.6%. This indicates solid capital allocation.
First Savings Financial Group, Inc. (FSFG) has a market capitalization of $237M. It is classified as a small-cap stock.
Yes, First Savings Financial Group, Inc. (FSFG) pays a dividend with a trailing twelve-month yield of 1.85%.
Based on historical P/E analysis, First Savings Financial Group, Inc. (FSFG) appears fair. The current P/E of 10.2 is 42% below its historical median of 17.5. The estimated fair value CAGR (P/E method) is 9.3%.
First Savings Financial Group, Inc. (FSFG) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
First Savings Financial Group, Inc., an Indiana corporation, was incorporated in May 2008 and serves as the holding company for First Savings Bank (the “Bank” or “First Savings Bank”). First Savings Financial Group’s principal business activity is the ownership of the outstanding common stock of First Savings Bank. First Savings Financial Group does not own or lease any property but instead uses the premises, equipment and other property of First Savings Bank with the payment of appropriate rental fees, as required by applicable law and regulations, under the terms of an expense allocation agreement. Accordingly, the information set forth in this annual report including the consolidated financial statements and related financial data contained herein, relates primarily to the Bank. First Savings Bank converted from a federally-chartered savings bank to an Indiana-chartered commercial bank and became a member the Federal Reserve System effective December 19, 2014.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 146M | 146M | 135M | 129M | 122M | 186M |
| Net Income | 23M | 23M | 14M | 8.2M | 15M | 30M |
| EPS | $3.32 | $3.32 | $1.98 | $1.19 | $2.15 | $1.37 |
| Free Cash Flow | 78M | 78M | 91M | 30M | 148M | 109M |
| ROIC | 12.0% | 12.5% | 8.3% | 5.4% | 9.3% | 17.5% |
| Gross Margin | 57.3% | 57.3% | 50.2% | 65.6% | 89.8% | 94.7% |
| Debt/Equity | 0.00 | 0.00 | 0.04 | 0.05 | 0.08 | 0.00 |
| Dividends/Share | $0.63 | $0.63 | $0.59 | $0.55 | $0.51 | $0.08 |
| Operating Income | 1.8M | 1.8M | 1.7M | 1.0M | 1.1M | 40M |
| Operating Margin | 1.2% | 1.2% | 1.2% | 0.8% | 0.9% | 21.5% |
| ROE | 12.0% | 12.5% | 8.3% | 5.4% | 9.3% | 17.5% |
| Shares Outstanding | 7M | 7M | 7M | 7M | 7M | 22M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 33M | 34M | 33M | 43M | 55M | 95M | 191M | 186M | 122M | 129M | 135M | 146M | 146M |
| Gross Margin | 85.2% | 86.3% | 85.4% | 86.5% | 86.1% | 87.0% | 90.3% | 94.7% | 89.8% | 65.6% | 50.2% | 57.3% | 57.3% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 11M | 12M | 13M | 15M | 20M | 43M | 93M | 103M | 61M | 44M | 32M | 35M | 35M |
| EBIT | 1.3M | 1.1M | 5.6M | 12M | 15M | 20M | 47M | 40M | 1.1M | 1.0M | 1.7M | 1.8M | 1.8M |
| Op. Margin | 3.9% | 3.2% | 17.0% | 27.8% | 26.6% | 21.2% | 24.5% | 21.5% | 0.9% | 0.8% | 1.2% | 1.2% | 1.2% |
| Net Income | 5.2M | 6.6M | 7.8M | 9.3M | 11M | 16M | 33M | 30M | 15M | 8.2M | 14M | 23M | 23M |
| Net Margin | 16.0% | 19.4% | 23.9% | 21.9% | 19.7% | 17.1% | 17.5% | 15.9% | 12.6% | 6.4% | 10.1% | 15.8% | 15.8% |
| Non-Recurring | 73K | 1K | 1.9M | 170K | 215K | 4.6M | 5.7M | 8.7M | 3.7M | 2.7M | 3.0M | 4.2M | 4.2M |
| Returns on Capital | |||||||||||||
| ROIC | 6.2% | 7.3% | 8.7% | 10.4% | 11.4% | 14.7% | 24.0% | 17.5% | 9.3% | 5.4% | 8.3% | 12.5% | 12.0% |
| ROE | 6.2% | 7.3% | 8.7% | 10.4% | 11.4% | 14.7% | 24.0% | 17.5% | 9.3% | 5.4% | 8.3% | 12.5% | 12.0% |
| ROA | 0.8% | 0.9% | 1.0% | 1.1% | 1.1% | 1.4% | 2.2% | 1.7% | 0.8% | 0.4% | 0.6% | 1.0% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 8.1M | -563K | 9.4M | -2.2M | 18M | -45M | -140M | 115M | 149M | 33M | 91M | 79M | 79M |
| Free Cash Flow | 7.8M | -1.0M | 9.0M | -2.7M | 16M | -54M | -147M | 109M | 148M | 30M | 91M | 78M | 78M |
| Owner Earnings | 5.6M | -2.4M | 7.3M | -3.6M | 16M | -47M | -142M | 112M | 146M | 30M | 88M | 76M | 76M |
| CapEx | 342K | 475K | 353K | 426K | 1.6M | 9.5M | 7.3M | 5.6M | 835K | 3.0M | 684K | 879K | 879K |
| Maint. CapEx | 1.4M | 1.5M | 1.5M | 1.2M | 1.4M | 1.7M | 1.9M | 2.3M | 2.4M | 2.5M | 2.4M | 2.2M | 2.2M |
| Growth CapEx | 0 | 0 | 0 | 0 | 221K | 7.8M | 5.5M | 3.3M | 0 | 405K | 0 | 0 | 0 |
| D&A | 1.4M | 1.5M | 1.5M | 1.2M | 1.4M | 1.7M | 1.9M | 2.3M | 2.4M | 2.5M | 2.4M | 2.2M | 2.2M |
| CapEx/OCF | 4.2% | N/A | 3.5% | N/A | 8.9% | N/A | N/A | 4.9% | 0.6% | 9.0% | N/A | N/A | 1.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 914K | 995K | 1.1M | 1.2M | 1.3M | 1.5M | 1.6M | 1.7M | 4.5M | 3.8M | 4.1M | 4.4M | 4.4M |
| Dividend Yield | 2.2% | 1.9% | 1.7% | 1.3% | 1.0% | 1.3% | 1.5% | 0.4% | 2.8% | 3.4% | N/A | N/A | 1.8% |
| Share Buybacks | 3.3M | 132K | 0 | 0 | 46K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 2.4% | 0.1% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | 1.1M | 405K | 628K | 176K | 217K | 246K | 279K | 277K | 688K | 698K | 699K | 918K | 918K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -11M | -10M | -7.7M | -16M | -227M | -206M | -215M | -240M | -346M | -250M | -294M | -284M | -32M |
| Cash & Equiv. | 20M | 25M | 29M | 34M | 42M | 41M | 34M | 33M | 42M | 31M | 52M | 32M | 32M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.11 | 0.16 | 0.25 | 0.19 | 0.00 | 0.10 | 0.13 | 0.00 | 0.08 | 0.05 | 0.04 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 87M | 94M | 87M | 93M | 99M | 121M | 157M | 180M | 152M | 151M | 177M | 193M | 193M |
| Total Assets | 713M | 750M | 797M | 891M | 1.0B | 1.2B | 1.8B | 1.7B | 2.1B | 2.3B | 2.5B | 2.4B | 2.4B |
| Total Liabilities | 626M | 656M | 710M | 798M | 934M | 1.1B | 1.6B | 1.5B | 1.9B | 2.1B | 2.3B | 2.2B | 2.2B |
| Intangibles | 1.7M | 1.4M | 1.0M | 693K | 1.7M | 1.4M | 1.2M | 988K | 775K | 561K | 398K | 234K | 234K |
| Retained Earnings | 47M | 53M | 59M | 68M | 77M | 91M | 123M | 150M | 162M | 166M | 173M | 192M | 192M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.78 | 0.98 | 1.14 | 1.32 | 1.53 | 2.29 | 4.68 | 1.37 | 2.15 | 1.19 | 1.98 | 3.32 | 3.32 |
| Owner EPS | 0.83 | -0.36 | 1.05 | -0.51 | 2.30 | -6.62 | -19.91 | 5.22 | 20.36 | 4.30 | 12.84 | 10.89 | 10.89 |
| Book Value | 13.01 | 14.01 | 12.54 | 13.23 | 13.90 | 17.16 | 22.08 | 8.38 | 21.18 | 21.99 | 25.80 | 27.73 | 27.73 |
| Cash Flow/Share | 1.21 | -0.08 | 1.36 | -0.32 | 2.53 | -6.34 | -19.61 | 5.34 | 20.79 | 4.77 | 13.29 | 11.34 | 3.64 |
| Dividends/Share | 0.16 | 0.16 | 0.17 | 0.18 | 0.20 | 0.21 | 0.22 | 0.08 | 0.51 | 0.55 | 0.59 | 0.63 | 0.63 |
| Shares Out. | 6.7M | 6.7M | 6.9M | 7.0M | 7.1M | 7.1M | 7.1M | 21.5M | 7.2M | 6.9M | 6.9M | 7.0M | 7.0M |
| Valuation | |||||||||||||
| P/E Ratio | 26.0 | 27.9 | 26.7 | 34.2 | 38.1 | 23.4 | 3.0 | 6.0 | 9.7 | 11.6 | N/A | N/A | 10.2 |
| P/FCF | 5.8 | N/A | 7.7 | N/A | 8.4 | N/A | N/A | 4.8 | 1.0 | 3.2 | N/A | N/A | 3.0 |
| EV/EBIT | 94.2 | 151.7 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 112.6 |
| Price/Book | 1.6 | 1.9 | 2.4 | 3.4 | 4.2 | 3.1 | 0.6 | 1.0 | 1.0 | 0.6 | N/A | N/A | 1.2 |
| Price/Sales | 4.3 | 5.1 | 7.0 | 7.4 | 8.0 | 4.2 | 0.6 | 0.8 | 1.4 | 1.3 | N/A | N/A | 1.6 |
| FCF Yield | 5.7% | -0.6% | 4.3% | -0.8% | 3.9% | -14.3% | -145.5% | 61.9% | 98.8% | 31.4% | N/A | N/A | 33.0% |
| Market Cap | 136M | 183M | 209M | 318M | 415M | 379M | 101M | 176M | 150M | 95M | 0 | 0 | 237M |
| Avg. Price | 6.28 | 7.63 | 9.63 | 13.34 | 18.49 | 16.48 | 15.20 | 20.21 | 22.66 | 16.20 | 0.00 | 0.00 | 33.98 |
| Year-End Price | 6.75 | 9.08 | 10.10 | 15.08 | 19.45 | 17.74 | 14.17 | 24.58 | 20.92 | 13.80 | 0.00 | 0.00 | 33.98 |
First Savings Financial Group, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
First Savings Financial Group, Inc. trades at 10.2x trailing earnings, compared to its 15-year median P/E of 17.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 3.0x vs a median of 4.8x. The company's 5-year average ROIC is 10.6% with a gross margin of 71.5%. Total shareholder yield (dividends) is 1.8%. At current prices, the estimated annualized return to fair value is +84.5%.
First Savings Financial Group, Inc. (FSFG) reported annual revenue of $146 million in its most recent fiscal year, based on SEC EDGAR filings.
First Savings Financial Group, Inc. (FSFG) has a net profit margin of 15.8%. This is a healthy margin.
First Savings Financial Group, Inc. (FSFG) generated $78 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
First Savings Financial Group, Inc. (FSFG) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
First Savings Financial Group, Inc. (FSFG) reported earnings per share (EPS) of $3.32 in its most recent fiscal year.
First Savings Financial Group, Inc. (FSFG) has a return on equity (ROE) of 12.5%. This indicates moderate shareholder returns.
First Savings Financial Group, Inc. (FSFG) has a 5-year average gross margin of 71.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for First Savings Financial Group, Inc. (FSFG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
First Savings Financial Group, Inc. (FSFG) has a book value per share of $27.73, based on its most recent annual SEC filing.
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