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First Savings Financial Group, Inc. (FSFG)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 181 | 178 | 112 | 87 | 70 | 84 | 84 |
| Operating profit | $m | 27 | 27 | |||||
| Net profit | $m | 33 | 30 | 15 | 8 | 14 | 23 | 23 |
| EPS reported | $ | 3.32 | 3.31 | |||||
| Operating cashflow per share | $ | 11.52 | 11.47 | |||||
| Capex per share | $ | 0.13 | 0.05 | |||||
| FCF per share | $ | 11.39 | 11.42 | |||||
| Free cash flow | $m | 78 | 78 | |||||
| Net debt | $m | 430 | 179 | |||||
| Book value equity | $m | 193 | 193 | |||||
| Book value per share | $ | 27.73 | 27.65 | |||||
| Number of shares | m | 6.98 | 7 | |||||
| DPS (TTM paid) | $ | 0.64 | 0.16 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.47 | 10.27 | |||||
| P/B LTM | x | 1.12 | 1.23 | |||||
| P/S LTM | x | 2.57 | 2.83 | |||||
| P/FCF LTM | x | 2.76 | 3.05 | |||||
| EV/EBITDA LTM | x | 22.25 | 14.35 | |||||
| EV/Sales LTM | x | 4.43 | 4.97 | |||||
| Earnings Yield LTM | % | 10.56% | 9.74% | |||||
| FCF Yield | % | 36.23% | 32.83% | |||||
| Quality | ||||||||
| ROE | % | 11.97% | 9.13% | |||||
| ROIC | % | -1.63% | -1.19% | |||||
| Operating margin | % | 18.36% | 18.35% | |||||
| Gross margin | % | 57.25% | 57.32% | |||||
| FCF/Sales | % | 53.48% | 72.90% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +67.68% | +67.68% | |||||
| Sales Growth YoY | % | +19.35% | +19.35% | |||||
| Net Income Growth YoY | % | +70.40% | +70.40% | |||||
| FCF Growth | % | -13.55% | -13.55% | |||||
| Operating Profit Growth | % | +83.87% | +83.87% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.03% | 0.47% | |||||
| Dividend Growth | % | +6.67% | - | |||||
| Payout Ratio | % | 18.93% | 18.98% | |||||
| FCF/Debt | x | 0.17 | 0.17 | |||||
| Net Debt/EBITDA | x | 14.83 | 20.14 | |||||
| EBIT/Net interest | x | 0.43 | 0.44 | |||||
| Net debt/market cap | % | 199.16% | 75.21% | |||||
| Net debt/Equity | x | 2.22 | 0.93 | |||||
| Gross debt/equity | x | 2.40 | 2.40 | |||||
Company overview
First Savings Financial Group, Inc. (FSFG) functions as the parent organization for its subsidiary, First Savings Bank, delivering a broad spectrum of financial offerings to individual consumers and businesses throughout southern Indiana. The company organizes its operations into three distinct divisions: Core Banking, SBA Lending, and Mortgage Banking. FSFG facilitates various deposit accounts, including demand deposit accounts (checking), interest-bearing checking (NOW), money market accounts, traditional savings, and certificates of deposit. Furthermore, it extends a wide array of credit products. These encompass diverse real estate financing options, such as loans for single-to four-family residences, commercial properties, construction projects, land acquisition and development, and multi-family dwellings. Additionally, it provides commercial business loans, alongside consumer lending solutions like automobile financing, home equity lines of credit, unsecured personal loans, and loans collateralized by deposits. Beyond its core banking and lending activities, FSFG engages in mortgage banking services, investment portfolio management, and the distribution of property and casualty insurance products. It also offers reinsurance services to third-party insurance captives. The institution maintains a network of 15 branch locations. Established in 2008, First Savings Financial Group, Inc. maintains its corporate headquarters in Jeffersonville, Indiana.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Savings Financial Group, Inc. (FSFG)
First Savings Financial Group, Inc. (FSFG) functions as the parent organization for its subsidiary, First Savings Bank, delivering a broad spectrum of financial offerings to individual consumers and businesses throughout southern Indiana. The company organizes its operations into three distinct divisions: Core Banking, SBA Lending, and Mortgage Banking. FSFG facilitates various deposit accounts, including demand deposit accounts (checking), interest-bearing checking (NOW), money market accounts, traditional savings, and certificates of deposit. Furthermore, it extends a wide array of credit products. These encompass diverse real estate financing options, such as loans for single-to four-family residences, commercial properties, construction projects, land acquisition and development, and multi-family dwellings. Additionally, it provides commercial business loans, alongside consumer lending solutions like automobile financing, home equity lines of credit, unsecured personal loans, and loans collateralized by deposits. Beyond its core banking and lending activities, FSFG engages in mortgage banking services, investment portfolio management, and the distribution of property and casualty insurance products. It also offers reinsurance services to third-party insurance captives. The institution maintains a network of 15 branch locations. Established in 2008, First Savings Financial Group, Inc. maintains its corporate headquarters in Jeffersonville, Indiana.
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