Stock FSFG FIRST SAVINGS FINANCIAL GROUP, INC.
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Financials First Savings Financial Group, Inc.

Equities

FSFG

US33621E1091

Banks

Delayed Nasdaq
Other stock markets
 03:05:23 2024-05-02 pm EDT 		5-day change 1st Jan Change
16.24 USD +0.84% Intraday chart for First Savings Financial Group, Inc. +4.64% -3.33%
Apr. 26 First Savings Financial Group, Inc. Reports Net Charge-Offs for the Second Quarter Ended March 31, 2024 CI
Apr. 26 First Savings Financial Group, Inc. Reports Earnings Results for the Second Quarter and Six Months Ended March 31, 2024 CI

Valuation

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 147.7 128.5 198.7 161.8 100.3 109.9 -
Enterprise Value (EV) 1 147.7 128.5 198.7 161.8 100.3 109.9 109.9
P/E ratio 9.27 x 3.87 x 6.79 x 9.99 x 12.4 x 9.56 x 6.71 x
Yield 1% 1.23% 1.29% 2.22% - 3.66% 3.82%
Capitalization / Revenue 3.69 x 2.6 x 3.4 x 2.6 x 1.57 x 1.86 x 1.75 x
EV / Revenue 3.69 x 2.6 x 3.4 x 2.6 x 1.57 x 1.86 x 1.75 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - - 1.1 x 1.05 x 0.67 x 0.66 x 0.62 x
Nbr of stocks (in thousands) 7,010 7,094 7,108 7,039 6,811 6,826 -
Reference price 2 21.07 18.11 27.96 22.98 14.73 16.10 16.10
Announcement Date 11/19/19 10/30/20 10/28/21 10/27/22 10/31/23 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025
Net sales 1 40.09 49.39 58.49 62.31 63.76 58.97 62.96
EBITDA - - - - - - -
EBIT 1 - - 39.52 22.39 12.98 15.6 22.6
Operating Margin - - 67.56% 35.93% 20.35% 26.45% 35.9%
Earnings before Tax (EBT) 1 20.09 46.74 39.97 18.82 8.182 15.35 21.36
Net income 1 16.18 33.35 29.57 16.44 8.172 11.65 16.48
Net margin 40.35% 67.53% 50.55% 26.39% 12.82% 19.75% 26.17%
EPS 2 2.273 4.680 4.120 2.300 1.190 1.685 2.400
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2100 0.2233 0.3600 0.5100 - 0.5900 0.6150
Announcement Date 11/19/19 10/30/20 10/28/21 10/27/22 10/31/23 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: September 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 14.75 14.24 14.36 16.36 17.35 16.82 15.49 15.48 15.97 14.56 14.8 14.6 14.99 15.34 15.55
EBITDA - - - - - - - - - - - - - - -
EBIT 1 6.142 5.976 8.976 3.557 3.882 4.501 5.003 3.707 - 1.308 4.91 4.6 4.8 5.1 5.3
Operating Margin 41.64% 41.98% 62.49% 21.74% 22.37% 26.75% 32.31% 23.95% - 8.98% 33.18% 31.51% 32.01% 33.25% 34.09%
Earnings before Tax (EBT) 1 5.807 5.116 8.654 2.577 2.475 2.954 4.057 2.655 -1.484 0.444 5.793 4.318 4.8 5.241 5.357
Net income 1 4.849 4.305 7.035 2.638 2.466 2.871 3.724 2.324 -0.747 0.92 4.927 3.285 3.59 3.878 3.976
Net margin 32.87% 30.24% 48.97% 16.13% 14.21% 17.06% 24.05% 15.02% -4.68% 6.32% 33.29% 22.51% 23.94% 25.28% 25.57%
EPS 2 0.6700 0.6000 0.9800 0.3700 0.3500 0.4100 0.5400 0.3400 -0.1100 0.1300 0.7200 0.4750 0.5150 0.5650 0.5800
Dividend per Share 2 0.1200 0.1200 0.1300 0.1300 0.1300 0.1300 - 0.1400 - - 0.1400 0.1500 0.1500 0.1500 0.1550
Announcement Date 10/28/21 1/25/22 4/25/22 7/25/22 10/27/22 2/6/23 4/27/23 7/27/23 10/31/23 1/30/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 15% 25.5% 17.4% 9.25% 5.04% 7.65% 9.66%
ROA (Net income/ Total Assets) - - 1.69% 0.89% 0.37% 0.41% 0.61%
Assets 1 - - 1,750 1,848 2,209 2,841 2,701
Book Value Per Share 2 - - 25.30 21.90 22.00 24.50 26.00
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 11/19/19 10/30/20 10/28/21 10/27/22 10/31/23 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Savings Financial Group, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
16.1 USD
Average target price
21 USD
Spread / Average Target
+30.39%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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