First Savings Financial Group (FSFG) AI Stock Analysis

• Market Cap: $177.55M
• Dividend Yield: 2.56%
• Average Volume (3M): 42.96K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.51
• Revenue Growth: 6.82%
• EPS Growth: 161.37%
• Country: US
• Employees: 250
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.76
• Shares Outstanding: 6,919,136
• 10 Day Avg. Volume: 93,081
• 30 Day Avg. Volume: 42,963
• PEG Ratio: -0.22
• Price to Book (P/B): 1.06
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.10
• Enterprise Value/Market Cap: 2.68
• Enterprise Value/Revenue: 1.17
• Enterprise Value/Gross Profit: 5.24
• Enterprise Value/Ebitda: 5.39
• 1Y Price Target: $32.33
• Price Target Upside: 25.99% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 65 Neutral
• Price Target: $28.00 ▲(9.12%Upside)

The overall stock score of 65 reflects a balanced assessment of FSFG's financial health, technical indicators, and valuation. Strong revenue growth and EBIT margins are offset by cash flow challenges. The stock's attractive valuation and dividend yield enhance its appeal, while technical indicators suggest a neutral market sentiment.

Positive Factors

Earnings

FSFG reported core EPS of $0.76, beating consensus expectations due to a wider net interest margin and a positive contribution from the SBA banking segment.

Financial Performance

The net interest margin is expected to widen further, partly due to loan growth, leading to increased profitability for the SBA banking segment.

Stock Valuation

The analyst raised the price target to $31 due to higher expected earnings, which is toward the high end of the middle tier of valuations for high-quality Smid-Cap banks.

Negative Factors

Expenses

Higher expenses and a loss in SBA banking led to a miss in core EPS for FSFG.

First Savings Financial Group Business Overview & Revenue Model

Company Description

First Savings Financial Group (FSFG) is a financial holding company headquartered in Jeffersonville, Indiana. It primarily operates through its subsidiary, First Savings Bank, which offers a wide range of banking services. The company's core products and services include personal and business banking, mortgage lending, and wealth management. FSFG is dedicated to providing personalized financial solutions to individuals, families, and businesses across its service areas.

How the Company Makes Money

First Savings Financial Group makes money primarily through its banking operations, which include earning interest on loans and mortgages issued to individuals and businesses. The company also generates revenue from service fees associated with account maintenance, transaction processing, and wealth management services. Additionally, FSFG benefits from interest income on its investment portfolio. The company's earnings are significantly influenced by the interest rate environment, credit risk management, and its ability to attract and retain customer deposits. Strategic partnerships with financial technology providers and local businesses further enhance its revenue streams by expanding its customer base and service offerings.

First Savings Financial Group Financial Statement Overview

Summary

First Savings Financial Group shows strengths in revenue growth and EBIT margins, indicating operational efficiency. The balance sheet is robust with no debt, reducing financial risk. However, the company faces challenges with cash flow generation, potentially impacting liquidity. Net profit margins and equity ratios reveal areas for improvement. Overall, while the company maintains stable operations, it needs to address cash flow and leverage concerns to enhance financial health.

Income Statement

The income statement shows a mixed performance. The TTM gross profit margin is strong at approximately 98.63%, indicating efficient cost management. However, the net profit margin is around 14%, which is moderate. The revenue growth rate from the prior year to TTM is about 52%, showing significant growth. EBIT margin is solid at 42.94%, but EBITDA margin is low at 7.46%. Overall, while revenue and EBIT margins are strong, the net profit margin and EBITDA margin suggest areas for improvement.

Balance Sheet

The balance sheet shows a stable financial position with a strong equity base. The debt-to-equity ratio is effectively zero in TTM, indicating no debt reliance, which reduces financial risk. The return on equity is moderate at 10.73%, reflecting decent profitability. The equity ratio is 7.37%, which is low but typical for a banking institution with high liabilities. The absence of debt and moderate ROE are positive, but the low equity ratio indicates potential risk.

Cash Flow

The cash flow statement reveals challenges with cash generation and utilization. Free cash flow growth from the previous year is negative, indicating reduced cash availability. The operating cash flow to net income ratio is 0.45, suggesting moderate cash conversion efficiency. The free cash flow to net income ratio is 0.43, which is lower than desirable. This highlights issues in translating earnings into cash flow and suggests potential liquidity concerns.

Breakdown	TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement
Total Revenue	118.86M	70.48M	86.92M	111.88M	177.61M	180.51M
Gross Profit	90.89M	70.48M	86.92M	111.88M	179.30M	180.51M
EBITDA	36.95M	0.00	10.36M	19.76M	38.39M	48.60M
Net Income	19.47M	13.59M	8.17M	15.39M	29.57M	33.35M
Balance Sheet
Total Assets	2.38B	2.45B	2.29B	2.09B	1.72B	1.76B
Cash, Cash Equivalents and Short-Term Investments	272.77M	52.14M	259.07M	359.80M	242.33M	235.69M
Total Debt	0.00	350.24M	411.63M	357.52M	269.87M	330.65M
Total Liabilities	2.20B	2.27B	2.14B	1.94B	1.54B	1.61B
Stockholders Equity	179.19M	177.12M	150.98M	151.56M	180.38M	157.27M
Cash Flow
Free Cash Flow	-33.01M	90.52M	29.80M	147.98M	109.25M	-147.00M
Operating Cash Flow	-32.06M	91.20M	32.76M	148.81M	114.89M	-139.69M
Investing Cash Flow	-10.48M	-203.33M	-263.99M	-544.22M	-55.88M	-339.43M
Financing Cash Flow	8.25M	133.43M	220.41M	403.64M	-59.31M	471.42M

First Savings Financial Group Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 25.66
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSFG, the sentiment is Neutral. The current price of 25.66 is above the 20-day moving average (MA) of 24.91, below the 50-day MA of 25.98, and above the 200-day MA of 25.47, indicating a neutral trend. The MACD of -0.55 indicates Negative momentum. The RSI at 49.12 is Neutral, neither overbought nor oversold. The STOCH value of 53.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FSFG.

First Savings Financial Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBNA	80 Outperform	$170.08M	7.43	18.94%	―	―	―
ISTR	77 Outperform	$201.23M	9.31	9.12%	2.15%	6.42%	24.08%
FRAF	71 Outperform	$163.31M	14.04	8.16%	3.60%	18.74%	-16.38%
Sector *	67 Neutral	¥713.20B	10.85	7.42%	3.37%	7.74%	16.12%
FSFG	65 Neutral	$177.55M	9.12	11.31%	2.56%	6.82%	161.37%
BCBP	62 Neutral	$151.55M	58.40	1.40%	7.60%	-5.71%	-90.24%
NKSH	60 Neutral	$183.27M	21.13	5.66%	5.37%	16.35%	-39.77%

First Savings Financial Group Corporate Events

First Savings Declares Quarterly Dividend for Shareholders

On May 23, 2025, First Savings Financial Group, Inc.’s Board of Directors declared a quarterly cash dividend of $0.16 per common share, to be paid on or about June 30, 2025, to stockholders of record as of June 13, 2025. This announcement underscores the company’s ongoing commitment to providing shareholder value and reflects its stable financial performance and strategic positioning within the community banking sector.

The most recent analyst rating on (FSFG) stock is a Buy with a $28.00 price target. To see the full list of analyst forecasts on First Savings Financial Group stock, see the FSFG Stock Forecast page.