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First Savings Financial Group (FSFG)
NASDAQ:FSFG
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First Savings Financial Group (FSFG) AI Stock Analysis

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FSFG

First Savings Financial Group

(NASDAQ:FSFG)

Rating:65Neutral
Price Target:
$28.00
▲(7.69%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 Forecast
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.
Financial Performance
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.
Stock Recommendation
The Buy rating is reiterated with expectations of a 19.8% stock price appreciation and a dividend yield of 2.5%, resulting in an estimated 12-month total return of about 22%.
Negative Factors
Operational Challenges
Higher expenses and a loss in SBA banking led to a miss in core EPS for FSFG.

First Savings Financial Group (FSFG) vs. SPDR S&P 500 ETF (SPY)

First Savings Financial Group Business Overview & Revenue Model

Company DescriptionFirst Savings Financial Group, Inc. operates as the bank holding company for First Savings Bank that provides various financial services to consumers and businesses in southern Indiana. The company operates through three segments: Core Banking, SBA Lending, and Mortgage Banking. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate, commercial real estate, construction, land and land development, multi-family real estate, and commercial business loans, as well as consumer loans, such as automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in the mortgage banking; investment activities; and the provision of property and casualty insurance products, and reinsurance to other third-party insurance captives. The company operates 15 branches. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana.
How the Company Makes MoneyFirst 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
65
Positive
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
70
Positive
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
55
Neutral
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue134.40M128.52M122.42M185.62M191.06M
Gross Profit67.38M84.25M109.97M179.30M172.56M
EBITDA16.98M10.73M19.76M42.27M48.60M
Net Income13.59M8.17M15.39M29.57M33.35M
Balance Sheet
Total Assets2.45B2.29B2.09B1.72B1.76B
Cash, Cash Equivalents and Short-Term Investments301.31M259.07M359.80M242.33M238.66M
Total Debt350.24M411.63M395.51M269.87M330.65M
Total Liabilities2.27B2.14B1.94B1.54B1.61B
Stockholders Equity177.12M150.98M151.56M180.38M157.27M
Cash Flow
Free Cash Flow90.52M29.80M147.98M109.25M-147.00M
Operating Cash Flow91.20M32.76M148.81M114.89M-139.69M
Investing Cash Flow-203.33M-263.99M-544.22M-55.88M-339.43M
Financing Cash Flow133.43M220.41M403.64M-59.31M471.42M

First Savings Financial Group Technical Analysis

Technical Analysis Sentiment
Positive
Last Price26.00
Price Trends
50DMA
25.85
Positive
100DMA
25.50
Positive
200DMA
25.73
Positive
Market Momentum
MACD
0.15
Positive
RSI
53.52
Neutral
STOCH
34.76
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSFG, the sentiment is Positive. The current price of 26 is above the 20-day moving average (MA) of 25.99, above the 50-day MA of 25.85, and above the 200-day MA of 25.73, indicating a bullish trend. The MACD of 0.15 indicates Positive momentum. The RSI at 53.52 is Neutral, neither overbought nor oversold. The STOCH value of 34.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSFG.

First Savings Financial Group Risk Analysis

First Savings Financial Group disclosed 24 risk factors in its most recent earnings report. First Savings Financial Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

First Savings Financial Group Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$175.33M7.6618.94%
77
Outperform
$214.80M9.769.16%1.95%3.25%47.03%
72
Outperform
$189.83M13.049.88%3.07%15.18%
68
Neutral
$17.09B11.269.71%3.70%11.16%-4.08%
65
Neutral
$179.90M8.3912.26%2.38%8.14%134.03%
60
Neutral
$150.86M45.951.63%7.28%-5.18%-83.93%
60
Neutral
$182.88M16.207.10%5.25%16.35%-39.77%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FSFG
First Savings Financial Group
26.00
5.66
27.83%
BCBP
BCB Bancorp
8.79
-3.08
-25.95%
NKSH
National Bankshares
28.74
-0.43
-1.47%
ISTR
Investar Holding
21.83
3.65
20.08%
FRAF
Franklin Financial Services
42.04
11.65
38.33%
CBNA
Chain Bridge Bancorp, Inc. Class A
26.89
6.14
29.59%

First Savings Financial Group Corporate Events

Dividends
First Savings Declares Quarterly Dividend for Shareholders
Positive
May 28, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 02, 2025