First Savings Financial Group, Inc. (FSFG)

FSFG Statistics

Total Valuation

FSFG has a market cap or net worth of $179.16 million. The enterprise value is $483.43 million.

Market Cap	179.16M
Enterprise Value	483.43M

Important Dates

The next estimated earnings date is Tuesday, January 28, 2025, after market close.

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

Share Statistics

FSFG has 6.84 million shares outstanding. The number of shares has decreased by -0.34% in one year.

Current Share Class	6.84M
Shares Outstanding	6.84M
Shares Change (YoY)	-0.34%
Shares Change (QoQ)	+0.63%
Owned by Insiders (%)	19.10%
Owned by Institutions (%)	31.23%
Float	4.96M

Valuation Ratios

The trailing PE ratio is 13.34 and the forward PE ratio is 9.30.

PE Ratio	13.34
Forward PE	9.30
PS Ratio	2.66
Forward PS	2.71
PB Ratio	1.02
P/TBV Ratio	1.09
P/FCF Ratio	2.01
P/OCF Ratio	1.99
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	35.57
EV / Sales	7.10
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.34

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.91
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.29%.

Return on Equity (ROE)	8.29%
Return on Assets (ROA)	0.57%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$161,353
Profits Per Employee	$32,209
Employee Count	422
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FSFG has paid $1.02 million in taxes.

Income Tax	1.02M
Effective Tax Rate	6.97%

Stock Price Statistics

The stock price has increased by +58.27% in the last 52 weeks. The beta is 0.74, so FSFG's price volatility has been lower than the market average.

Beta (5Y)	0.74
52-Week Price Change	+58.27%
50-Day Moving Average	27.91
200-Day Moving Average	21.55
Relative Strength Index (RSI)	41.93
Average Volume (20 Days)	13,393

Short Selling Information

The latest short interest is 9,498, so 0.14% of the outstanding shares have been sold short.

Short Interest	9,498
Short Previous Month	6,106
Short % of Shares Out	0.14%
Short % of Float	0.19%
Short Ratio (days to cover)	0.38

Income Statement

In the last 12 months, FSFG had revenue of $68.09 million and earned $13.59 million in profits. Earnings per share was $1.98.

Revenue	68.09M
Gross Profit	68.09M
Operating Income	17.37M
Pretax Income	9.31M
Net Income	13.59M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.98

Balance Sheet

The company has $52.63 million in cash and $354.38 million in debt, giving a net cash position of -$301.74 million or -$44.11 per share.

Cash & Cash Equivalents	52.63M
Total Debt	354.38M
Net Cash	-301.74M
Net Cash Per Share	-$44.11
Equity (Book Value)	177.12M
Book Value Per Share	25.93
Working Capital	-1.89B

Cash Flow

In the last 12 months, operating cash flow was $91.20 million and capital expenditures -$684,000, giving a free cash flow of $90.52 million.

Operating Cash Flow	91.20M
Capital Expenditures	-684,000
Free Cash Flow	90.52M
FCF Per Share	$13.23

Margins

Gross Margin	n/a
Operating Margin	25.51%
Pretax Margin	21.46%
Profit Margin	19.96%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	132.94%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 2.27%.

Dividend Per Share	$0.60
Dividend Yield	2.27%
Dividend Growth (YoY)	7.14%
Years of Dividend Growth	13
Payout Ratio	30.30%
Buyback Yield	0.34%
Shareholder Yield	2.60%
Earnings Yield	7.48%
FCF Yield	49.82%

Analyst Forecast

The average price target for FSFG is $31.00, which is 18.37% higher than the current price. The consensus rating is "Buy".

Price Target	$31.00
Price Target Difference	18.37%
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	4