First Savings Financial Group, Inc. Logo

First Savings Financial Group, Inc.

FSFG

(2.2)
Stock Price

25,59 USD

0.39% ROA

8.06% ROE

17.65x PER

Market Cap.

163.073.905,00 USD

281.88% DER

2.49% Yield

11.38% NPM

First Savings Financial Group, Inc. Stock Analysis

First Savings Financial Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Savings Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.62x), the stock offers substantial upside potential at a bargain price.

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROE

The stock's ROE falls within an average range (7.06%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.51%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (84) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (238%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

First Savings Financial Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Savings Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

First Savings Financial Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Savings Financial Group, Inc. Revenue
Year Revenue Growth
2003 6.602.000
2004 6.735.000 1.97%
2005 7.925.000 15.02%
2006 7.862.000 -0.8%
2007 7.736.000 -1.63%
2008 7.605.000 -1.72%
2009 9.831.000 22.64%
2010 23.121.000 57.48%
2011 23.606.000 2.05%
2012 24.741.000 4.59%
2013 27.497.000 10.02%
2014 28.985.000 5.13%
2015 30.185.000 3.98%
2016 28.493.000 -5.94%
2017 38.047.000 25.11%
2018 49.092.000 22.5%
2019 83.943.000 41.52%
2020 180.512.000 53.5%
2021 177.608.000 -1.64%
2022 111.879.000 -58.75%
2023 86.916.000 -28.72%
2024 135.448.000 35.83%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Savings Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Savings Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 216.000 100%
2009 4.711.000 95.41%
2010 11.367.000 58.56%
2011 10.279.000 -10.58%
2012 10.790.000 4.74%
2013 10.983.000 1.76%
2014 11.610.000 5.4%
2015 12.269.000 5.37%
2016 13.360.000 8.17%
2017 15.579.000 14.24%
2018 20.310.000 23.29%
2019 43.211.000 53%
2020 93.309.000 53.69%
2021 103.397.000 9.76%
2022 62.057.000 -66.62%
2023 45.613.000 -36.05%
2024 32.324.000 -41.11%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Savings Financial Group, Inc. EBITDA
Year EBITDA Growth
2003 7.993.000
2004 5.958.000 -34.16%
2005 6.243.000 4.57%
2006 6.109.000 -2.19%
2007 7.705.000 20.71%
2008 5.777.000 -33.37%
2009 4.522.000 -27.75%
2010 10.726.000 57.84%
2011 11.981.000 10.47%
2012 11.416.000 -4.95%
2013 11.684.000 2.29%
2014 12.467.000 6.28%
2015 13.557.000 8.04%
2016 11.217.000 -20.86%
2017 17.454.000 35.73%
2018 21.034.000 17.02%
2019 20.956.000 -0.37%
2020 47.873.000 56.23%
2021 41.864.000 -14.35%
2022 31.616.000 -32.41%
2023 8.182.000 -286.41%
2024 1.132.000 -622.79%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Savings Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2003 6.602.000
2004 6.735.000 1.97%
2005 7.925.000 15.02%
2006 7.862.000 -0.8%
2007 7.736.000 -1.63%
2008 7.605.000 -1.72%
2009 9.831.000 22.64%
2010 23.121.000 57.48%
2011 23.606.000 2.05%
2012 24.741.000 4.59%
2013 27.497.000 10.02%
2014 28.985.000 5.13%
2015 30.185.000 3.98%
2016 28.493.000 -5.94%
2017 38.047.000 25.11%
2018 49.092.000 22.5%
2019 83.943.000 41.52%
2020 180.512.000 53.5%
2021 177.608.000 -1.64%
2022 111.879.000 -58.75%
2023 86.916.000 -28.72%
2024 130.652.000 33.48%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Savings Financial Group, Inc. Net Profit
Year Net Profit Growth
2003 1.102.000
2004 885.000 -24.52%
2005 1.204.000 26.5%
2006 355.000 -239.15%
2007 814.000 56.39%
2008 -190.000 528.42%
2009 33.000 675.76%
2010 2.629.000 98.74%
2011 4.014.000 34.5%
2012 4.287.000 6.37%
2013 4.696.000 8.71%
2014 5.390.000 12.88%
2015 6.751.000 20.16%
2016 7.911.000 14.66%
2017 9.313.000 15.05%
2018 10.902.000 14.58%
2019 16.177.000 32.61%
2020 33.354.000 51.5%
2021 29.567.000 -12.81%
2022 15.386.000 -92.17%
2023 8.172.000 -88.28%
2024 16.292.000 49.84%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Savings Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 2 0%
2019 2 50%
2020 2 -100%
2021 4 75%
2022 2 -100%
2023 1 -100%
2024 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Savings Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2006 896.000
2007 1.496.000 40.11%
2008 376.000 -297.87%
2009 2.999.000 87.46%
2010 4.388.000 31.65%
2011 9.445.000 53.54%
2012 3.472.000 -172.03%
2013 7.177.000 51.62%
2014 7.786.000 7.82%
2015 -613.000 1370.15%
2016 8.876.000 106.91%
2017 -2.645.000 435.58%
2018 16.371.000 116.16%
2019 -54.221.000 130.19%
2020 -146.997.000 63.11%
2021 109.253.000 234.55%
2022 147.977.000 26.17%
2023 -4.697.000 3250.46%
2024 -702.000 -569.09%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Savings Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2006 1.477.000
2007 1.739.000 15.07%
2008 544.000 -219.67%
2009 3.177.000 82.88%
2010 4.842.000 34.39%
2011 11.007.000 56.01%
2012 4.328.000 -154.32%
2013 11.922.000 63.7%
2014 8.128.000 -46.68%
2015 -138.000 5989.86%
2016 9.194.000 101.5%
2017 -2.219.000 514.33%
2018 17.965.000 112.35%
2019 -44.725.000 140.17%
2020 -139.689.000 67.98%
2021 114.893.000 221.58%
2022 148.812.000 22.79%
2023 -1.743.000 8637.69%
2024 -655.000 -166.11%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Savings Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2006 581.000
2007 243.000 -139.09%
2008 168.000 -44.64%
2009 178.000 5.62%
2010 454.000 60.79%
2011 1.562.000 70.93%
2012 856.000 -82.48%
2013 4.745.000 81.96%
2014 342.000 -1287.43%
2015 475.000 28%
2016 318.000 -49.37%
2017 426.000 25.35%
2018 1.594.000 73.27%
2019 9.496.000 83.21%
2020 7.308.000 -29.94%
2021 5.640.000 -29.57%
2022 835.000 -575.45%
2023 2.954.000 71.73%
2024 47.000 -6185.11%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Savings Financial Group, Inc. Equity
Year Equity Growth
2003 26.353.000
2004 27.245.000 3.27%
2005 28.487.000 4.36%
2006 28.850.000 1.26%
2007 29.662.000 2.74%
2008 29.720.000 0.2%
2009 52.877.000 43.79%
2010 55.151.000 4.12%
2011 76.601.000 28%
2012 82.926.000 7.63%
2013 82.253.000 -0.82%
2014 87.080.000 5.54%
2015 94.357.000 7.71%
2016 86.580.000 -8.98%
2017 93.115.000 7.02%
2018 100.245.000 7.11%
2019 121.257.000 17.33%
2020 157.565.000 23.04%
2021 180.498.000 12.71%
2022 152.623.000 -18.26%
2023 150.981.000 -1.09%
2024 168.000.000 10.13%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Savings Financial Group, Inc. Assets
Year Assets Growth
2003 223.940.000
2004 216.529.000 -3.42%
2005 205.796.000 -5.22%
2006 206.399.000 0.29%
2007 203.321.000 -1.51%
2008 228.924.000 11.18%
2009 480.811.000 52.39%
2010 508.442.000 5.43%
2011 537.086.000 5.33%
2012 638.913.000 15.94%
2013 660.455.000 3.26%
2014 713.129.000 7.39%
2015 749.946.000 4.91%
2016 796.516.000 5.85%
2017 891.133.000 10.62%
2018 1.034.406.000 13.85%
2019 1.222.783.000 15.41%
2020 1.764.918.000 30.72%
2021 1.720.506.000 -2.58%
2022 2.057.662.000 16.39%
2023 2.288.854.000 10.1%
2024 2.393.491.000 4.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Savings Financial Group, Inc. Liabilities
Year Liabilities Growth
2003 197.587.000
2004 189.284.000 -4.39%
2005 177.309.000 -6.75%
2006 177.549.000 0.14%
2007 173.659.000 -2.24%
2008 199.204.000 12.82%
2009 427.934.000 53.45%
2010 453.291.000 5.59%
2011 460.485.000 1.56%
2012 555.987.000 17.18%
2013 578.202.000 3.84%
2014 626.049.000 7.64%
2015 655.589.000 4.51%
2016 709.936.000 7.66%
2017 798.018.000 11.04%
2018 934.161.000 14.57%
2019 1.101.526.000 15.19%
2020 1.607.353.000 31.47%
2021 1.540.129.000 -4.36%
2022 1.905.039.000 19.15%
2023 8.926.000 -21242.58%
2024 2.225.491.000 99.6%

First Savings Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.42
Net Income per Share
1.34
Price to Earning Ratio
17.65x
Price To Sales Ratio
1.55x
POCF Ratio
2.18
PFCF Ratio
2.14
Price to Book Ratio
0.96
EV to Sales
5.64
EV Over EBITDA
31.9
EV to Operating CashFlow
8
EV to FreeCashFlow
7.78
Earnings Yield
0.06
FreeCashFlow Yield
0.47
Market Cap
0,16 Bil.
Enterprise Value
0,59 Bil.
Graham Number
27.25
Graham NetNet
-287.33

Income Statement Metrics

Net Income per Share
1.34
Income Quality
8.1
ROE
0.06
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.93
EBT Per Ebit
0.28
Ebit per Revenue
0.44
Effective Tax Rate
0.07

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.97
Operating Profit Margin
0.44
Pretax Profit Margin
0.12
Net Profit Margin
0.11

Dividends

Dividend Yield
0.02
Dividend Yield %
2.49
Payout Ratio
0.43
Dividend Per Share
0.59

Operating Metrics

Operating Cashflow per Share
10.87
Free CashFlow per Share
11.17
Capex to Operating CashFlow
0.03
Capex to Revenue
0.02
Capex to Depreciation
18.84
Return on Invested Capital
0.05
Return on Tangible Assets
0
Days Sales Outstanding
41.63
Days Payables Outstanding
285.68
Days of Inventory on Hand
-1750.93
Receivables Turnover
8.77
Payables Turnover
1.28
Inventory Turnover
-0.21
Capex per Share
0.31

Balance Sheet

Cash per Share
41,06
Book Value per Share
24,59
Tangible Book Value per Share
22.66
Shareholders Equity per Share
24.59
Interest Debt per Share
76.17
Debt to Equity
2.82
Debt to Assets
0.2
Net Debt to EBITDA
23.14
Current Ratio
0.06
Tangible Asset Value
0,15 Bil.
Net Current Asset Value
-2,17 Bil.
Invested Capital
-810746000
Working Capital
-0,85 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,01 Bil.
Average Inventory
-64140000
Debt to Market Cap
2.9

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Savings Financial Group, Inc. Dividends
Year Dividends Growth
2009 0
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 0 0%
2023 1 0%
2024 0 0%

First Savings Financial Group, Inc. Profile

About First Savings Financial Group, Inc.

First 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.

CEO
Mr. Larry W. Myers
Employee
370
Address
702 North Shore Drive
Jeffersonville, 47130

First Savings Financial Group, Inc. Executives & BODs

First Savings Financial Group, Inc. Executives & BODs
# Name Age
1 Mr. Larry W. Myers
President, Chief Executive Officer & Director
70
2 Mr. John P. Lawson Jr.
Independent Director
70
3 Ms. Jacqueline R. Journell CPA
Chief Operating Officer
70
4 Lenfield R. Basham
Executive Vice President & Chief Information Officer
70
5 Mr. Anthony A. Schoen CPA
Executive Vice President, Chief Financial Officer & Corporate Secretary
70
6 Mr. Jonathan E. Handmaker
Officer
70

First Savings Financial Group, Inc. Competitors