First Savings Financial Group, Inc. (FSFG)

FSFG Statistics

Total Valuation

FSFG has a market cap or net worth of $176.67 million. The enterprise value is $443.12 million.

Market Cap	176.67M
Enterprise Value	443.12M

Important Dates

The next estimated earnings date is Thursday, April 24, 2025, after market close.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	Mar 14, 2025

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 (%)	25.27%
Owned by Institutions (%)	35.20%
Float	4.32M

Valuation Ratios

The trailing PE ratio is 9.49 and the forward PE ratio is 9.55.

PE Ratio	9.49
Forward PE	9.55
PS Ratio	2.39
Forward PS	2.69
PB Ratio	1.00
P/TBV Ratio	1.06
P/FCF Ratio	23.15
P/OCF Ratio	20.87
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.45
EV / Sales	6.02
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	58.21

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 +52.90% in the last 52 weeks. The beta is 0.77, so FSFG's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+52.90%
50-Day Moving Average	24.98
200-Day Moving Average	24.20
Relative Strength Index (RSI)	53.74
Average Volume (20 Days)	8,843

Short Selling Information

The latest short interest is 17,743, so 0.26% of the outstanding shares have been sold short.

Short Interest	17,743
Short Previous Month	16,739
Short % of Shares Out	0.26%
Short % of Float	0.41%
Short Ratio (days to cover)	2.08

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 $0.64, which amounts to a dividend yield of 2.46%.

Dividend Per Share	$0.64
Dividend Yield	2.46%
Dividend Growth (YoY)	7.02%
Years of Dividend Growth	10
Payout Ratio	23.34%
Buyback Yield	-0.61%
Shareholder Yield	1.87%
Earnings Yield	10.73%
FCF Yield	4.32%

Analyst Forecast

The average price target for FSFG is $30.00, which is 16.64% higher than the current price. The consensus rating is "Buy".

Price Target	$30.00
Price Target Difference	16.64%
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