First Savings Financial Group, Inc. (FSFG)

FSFG Statistics

Total Valuation

FSFG has a market cap or net worth of $168.29 million. The enterprise value is $435.22 million.

Market Cap	168.29M
Enterprise Value	435.22M

Important Dates

The last earnings date was Tuesday, January 28, 2025, after market close.

Earnings Date	Jan 28, 2025
Ex-Dividend Date	Dec 16, 2024

Share Statistics

FSFG has 6.87 million shares outstanding. The number of shares has increased by 0.61% in one year.

Current Share Class	6.87M
Shares Outstanding	6.87M
Shares Change (YoY)	+0.61%
Shares Change (QoQ)	+1.33%
Owned by Insiders (%)	18.88%
Owned by Institutions (%)	35.10%
Float	4.76M

Valuation Ratios

The trailing PE ratio is 8.94 and the forward PE ratio is 8.99.

PE Ratio	8.94
Forward PE	8.99
PS Ratio	2.28
Forward PS	2.57
PB Ratio	0.96
P/TBV Ratio	1.01
P/FCF Ratio	22.11
P/OCF Ratio	19.93
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.03
EV / Sales	5.91
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	57.18

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	45.14
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.10%.

Return on Equity (ROE)	11.10%
Return on Assets (ROA)	0.80%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$268,701
Profits Per Employee	$68,967
Employee Count	274
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FSFG has paid $2.34 million in taxes.

Income Tax	2.34M
Effective Tax Rate	11.03%

Stock Price Statistics

The stock price has increased by +46.27% in the last 52 weeks. The beta is 0.75, so FSFG's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	+46.27%
50-Day Moving Average	25.74
200-Day Moving Average	23.03
Relative Strength Index (RSI)	44.87
Average Volume (20 Days)	8,630

Short Selling Information

The latest short interest is 14,176, so 0.21% of the outstanding shares have been sold short.

Short Interest	14,176
Short Previous Month	15,543
Short % of Shares Out	0.21%
Short % of Float	0.30%
Short Ratio (days to cover)	1.23

Income Statement

In the last 12 months, FSFG had revenue of $73.62 million and earned $18.90 million in profits. Earnings per share was $2.74.

Revenue	73.62M
Gross Profit	73.62M
Operating Income	24.11M
Pretax Income	9.31M
Net Income	18.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.74

Balance Sheet

The company has $76.71 million in cash and $343.64 million in debt, giving a net cash position of -$266.93 million or -$38.86 per share.

Cash & Cash Equivalents	76.71M
Total Debt	343.64M
Net Cash	-266.93M
Net Cash Per Share	-$38.86
Equity (Book Value)	176.03M
Book Value Per Share	25.65
Working Capital	-1.75B

Cash Flow

In the last 12 months, operating cash flow was $8.44 million and capital expenditures -$830,000, giving a free cash flow of $7.61 million.

Operating Cash Flow	8.44M
Capital Expenditures	-830,000
Free Cash Flow	7.61M
FCF Per Share	$1.11

Margins

Gross Margin	n/a
Operating Margin	32.75%
Pretax Margin	28.85%
Profit Margin	25.67%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	10.34%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 2.45%.

Dividend Per Share	$0.60
Dividend Yield	2.45%
Dividend Growth (YoY)	7.14%
Years of Dividend Growth	10
Payout Ratio	21.88%
Buyback Yield	-0.61%
Shareholder Yield	1.84%
Earnings Yield	11.23%
FCF Yield	4.52%

Analyst Forecast

The average price target for FSFG is $30.00, which is 22.45% higher than the current price. The consensus rating is "Buy".

Price Target	$30.00
Price Target Difference	22.45%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on September 16, 2021. It was a forward split with a ratio of 3:1.

Last Split Date	Sep 16, 2021
Split Type	Forward
Split Ratio	3:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3