First Savings Financial Group Inc (FSFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Savings Financial Group Inc stock (FSFG) is currently trading at $33.98. First Savings Financial Group Inc PE ratio is 10.23. First Savings Financial Group Inc PS ratio (Price-to-Sales) is 2.83. Analyst consensus price target for FSFG is $34.00. WallStSmart rates FSFG as Moderate Buy.
- FSFG PE ratio analysis and historical PE chart
- FSFG PS ratio (Price-to-Sales) history and trend
- FSFG intrinsic value — DCF, Graham Number, EPV models
- FSFG stock price prediction 2025 2026 2027 2028 2029 2030
- FSFG fair value vs current price
- FSFG insider transactions and insider buying
- Is FSFG undervalued or overvalued?
- First Savings Financial Group Inc financial analysis — revenue, earnings, cash flow
- FSFG Piotroski F-Score and Altman Z-Score
- FSFG analyst price target and Smart Rating
First Savings Financial Group Inc
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FSFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Savings Financial Group Inc (FSFG)
FSFG trades at a significant discount to its Graham intrinsic value of $155.38, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Savings Financial Group Inc (FSFG) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
First Savings Financial Group Inc (FSFG) Key Strengths (5)
Keeps $34 of every $100 in revenue after operating costs
Earnings per share surging 41.80% year-over-year
Keeps $28 of every $100 in revenue as net profit
Trading at 1.23x book value, attractively priced
Strong revenue growth at 26.30% annually
Supporting Valuation Data
First Savings Financial Group Inc (FSFG) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 2.83x sales
Moderate institutional interest at 39.76%
Supporting Valuation Data
First Savings Financial Group Inc (FSFG) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.23) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.10%, Profit Margin at 27.50%. Growth metrics are encouraging with Revenue Growth at 26.30%, EPS Growth at 41.80%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.83) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 12.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 26.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FSFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FSFG's Price-to-Sales ratio of 2.83x trades 40% below its historical average of 4.71x (30th percentile). The current valuation is 77% below its historical high of 12.13x set in Jun 2018, and 282% above its historical low of 0.74x in May 2023. Over the past 12 months, the PS ratio has expanded from ~1.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Savings Financial Group Inc (FSFG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Savings Financial Group Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 84M with 26% growth year-over-year. Profit margins are strong at 27.5%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 26% YoY, reaching 84M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1250.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 2.40 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can First Savings Financial Group Inc maintain 26%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 185.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 464M is significantly higher than cash (32M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Savings Financial Group Inc.
Bottom Line
First Savings Financial Group Inc offers an attractive blend of growth (26% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Savings Financial Group Inc(FSFG)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, Indiana.