First Savings Financial Group (FSFG) Stock Price, News & Analysis

Company Overview

First Savings Financial Group, Inc. operates as the bank holding company for First Savings Bank that provides various financial services to consumers and businesses in southern Indiana. The company operates through three segments: Core Banking, SBA Lending, and Mortgage Banking. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate, commercial real estate, construction, land and land development, multi-family real estate, and commercial business loans, as well as consumer loans, such as automobile and truck loans, home equity lines of credit, home improvement loans, unsecured loans, boat and mobile home loans, loans secured by savings deposits, and other personal loans. In addition, it is involved in the mortgage banking; investment activities; and the provision of property and casualty insurance products, and reinsurance to other third-party insurance captives. First Savings Financial Group, Inc. was incorporated in 2008 and is headquartered in Jeffersonville, Indiana.

Key Stats

• Today's Range: $29.16 to $29.47
• 50-Day Range: $23.35 to $29.11
• 52-Week Range: $13.20 to $29.47
• Volume: 29,435 shs
• Average Volume: 8,281 shs
• Market Capitalization: $201.15 million
• P/E Ratio: 14.76
• Dividend Yield: 2.05%
• Price Target: $27.50
• Consensus Rating: Moderate Buy

First Savings Financial Group Stock Analysis - MarketRank™

First Savings Financial Group scored higher than 77% of companies evaluated by MarketBeat, and ranked 308th out of 922 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Savings Financial Group has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

First Savings Financial Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.77%

Earnings Growth

Earnings for First Savings Financial Group are expected to grow by 3.77% in the coming year, from $2.65 to $2.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Savings Financial Group is 14.76, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 125.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Savings Financial Group is 14.76, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 45.77.

Price to Book Value per Share Ratio

First Savings Financial Group has a P/B Ratio of 1.33. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.18% of the outstanding shares of First Savings Financial Group have been sold short.

Short Interest Ratio / Days to Cover

First Savings Financial Group has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Savings Financial Group has recently increased by 18.45%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Savings Financial Group pays a meaningful dividend of 2.07%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Savings Financial Group has been increasing its dividend for 11 years.

Dividend Coverage

The dividend payout ratio of First Savings Financial Group is 30.30%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Savings Financial Group will have a dividend payout ratio of 21.82% next year. This indicates that First Savings Financial Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.50

Percentage of Shares Shorted

0.18% of the outstanding shares of First Savings Financial Group have been sold short.

Short Interest Ratio / Days to Cover

First Savings Financial Group has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Savings Financial Group has recently increased by 18.45%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.42

News Sentiment

First Savings Financial Group has a news sentiment score of 0.42. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for First Savings Financial Group this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Savings Financial Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

15.91% of the stock of First Savings Financial Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 35.22% of the stock of First Savings Financial Group is held by institutions.

FSFG Stock Analysis - Frequently Asked Questions

How have FSFG shares performed this year?

First Savings Financial Group's stock was trading at $16.80 at the beginning of the year. Since then, FSFG shares have increased by 73.9% and is now trading at $29.22.
View the best growth stocks for 2024 here.

How were First Savings Financial Group's earnings last quarter?

First Savings Financial Group, Inc. (NASDAQ:FSFG) released its earnings results on Thursday, October, 28th. The bank reported $0.67 EPS for the quarter, beating analysts' consensus estimates of $0.59 by $0.08. The bank earned $30.92 million during the quarter, compared to analysts' expectations of $33.70 million. First Savings Financial Group had a trailing twelve-month return on equity of 8.94% and a net margin of 10.10%.

When did First Savings Financial Group's stock split?

First Savings Financial Group shares split on the morning of Thursday, September 16th 2021. The 3-1 split was announced on Thursday, September 16th 2021. The newly created shares were distributed to shareholders after the closing bell on Thursday, September 16th 2021. An investor that had 100 shares of stock prior to the split would have 300 shares after the split.

Who are First Savings Financial Group's major shareholders?

First Savings Financial Group's top institutional shareholders include Fourthstone LLC (3.12%), Cerity Partners LLC (0.99%), Geode Capital Management LLC (0.85%) and Empowered Funds LLC (0.47%). Insiders that own company stock include Anthony A Schoen, Larry W Myers, Frank Czeschin, Steven R Stemler and Kent L Parisien.
View institutional ownership trends.

How do I buy shares of First Savings Financial Group?

Shares of FSFG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of First Savings Financial Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Savings Financial Group investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE).

Company Calendar

• Last Earnings: 10/28/2021
• Ex-Dividend for 9/30 Dividend: 9/13/2024
• Dividend Payable: 9/30/2024
• Today: 11/23/2024
• Next Earnings (Estimated): 2/04/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Federal savings institutions
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FSFG
• CUSIP: N/A
• CIK: 1435508
• Web: www.fsbbank.net
• Phone: (812) 283-0724
• Fax: 812-288-2558
• Employees: 470
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $27.50
• High Stock Price Target: $31.00
• Low Stock Price Target: $24.00
• Potential Upside/Downside: -5.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.98
• Trailing P/E Ratio: 14.76
• Forward P/E Ratio: 11.03
• P/E Growth: N/A
• Net Income: $13.59 million
• Net Margins: 10.10%
• Pretax Margin: 7.00%
• Return on Equity: 8.94%
• Return on Assets: 0.63%

Debt

• Debt-to-Equity Ratio: 2.83
• Current Ratio: 1.16
• Quick Ratio: 1.09

Sales & Book Value

• Annual Sales: $70.57 million
• Price / Sales: 2.85
• Cash Flow: $2.06 per share
• Price / Cash Flow: 14.17
• Book Value: $21.99 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 6,884,000
• Free Float: 5,789,000
• Market Cap: $201.15 million
• Optionable: Not Optionable
• Beta: 0.72