First Savings Financial Group, Inc. (FSFG)

FSFG Statistics

Total Valuation

FSFG has a market cap or net worth of $229.53 million. The enterprise value is $665.16 million.

Market Cap	229.53M
Enterprise Value	665.16M

Important Dates

The next estimated earnings date is Tuesday, January 27, 2026, after market close.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Dec 15, 2025

Share Statistics

FSFG has 6.91 million shares outstanding. The number of shares has increased by 1.76% in one year.

Current Share Class	6.91M
Shares Outstanding	6.91M
Shares Change (YoY)	+1.76%
Shares Change (QoQ)	+0.29%
Owned by Insiders (%)	19.22%
Owned by Institutions (%)	43.31%
Float	5.41M

Valuation Ratios

The trailing PE ratio is 10.00 and the forward PE ratio is 10.03.

PE Ratio	10.00
Forward PE	10.03
PS Ratio	2.71
Forward PS	3.15
PB Ratio	1.18
P/TBV Ratio	1.25
P/FCF Ratio	n/a
P/OCF Ratio	2.90
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	28.72
EV / Sales	7.90
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 12.50%.

Return on Equity (ROE)	12.50%
Return on Assets (ROA)	0.96%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$307,383
Profits Per Employee	$84,529
Employee Count	274
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FSFG has paid $3.70 million in taxes.

Income Tax	3.70M
Effective Tax Rate	13.78%

Stock Price Statistics

The stock price has increased by +16.82% in the last 52 weeks. The beta is 0.46, so FSFG's price volatility has been lower than the market average.

Beta (5Y)	0.46
52-Week Price Change	+16.82%
50-Day Moving Average	30.80
200-Day Moving Average	27.45
Relative Strength Index (RSI)	69.81
Average Volume (20 Days)	14,059

Short Selling Information

The latest short interest is 55,422, so 0.80% of the outstanding shares have been sold short.

Short Interest	55,422
Short Previous Month	71,594
Short % of Shares Out	0.80%
Short % of Float	1.02%
Short Ratio (days to cover)	4.46

Income Statement

In the last 12 months, FSFG had revenue of $84.22 million and earned $23.16 million in profits. Earnings per share was $3.32.

Revenue	84.22M
Gross Profit	84.22M
Operating Income	28.92M
Pretax Income	26.86M
Net Income	23.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.32

Balance Sheet

The company has $32.10 million in cash and $467.72 million in debt, giving a net cash position of -$435.63 million or -$63.01 per share.

Cash & Cash Equivalents	32.10M
Total Debt	467.72M
Net Cash	-435.63M
Net Cash Per Share	-$63.01
Equity (Book Value)	193.48M
Book Value Per Share	28.14
Working Capital	-1.89B

Cash Flow

Operating Cash Flow	79.13M
Capital Expenditures	-879,000
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	34.33%
Pretax Margin	31.90%
Profit Margin	27.50%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 1.93%.

Dividend Per Share	$0.64
Dividend Yield	1.93%
Dividend Growth (YoY)	6.67%
Years of Dividend Growth	11
Payout Ratio	19.28%
Buyback Yield	-1.76%
Shareholder Yield	0.17%
Earnings Yield	10.09%
FCF Yield	n/a

Analyst Forecast

The average price target for FSFG is $31.50, which is -5.12% lower than the current price. The consensus rating is "Strong Buy".

Price Target	$31.50
Price Target Difference	-5.12%
Analyst Consensus	Strong Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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