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Company Analysis

First Savings Financial Group, FSFG

A comprehensive view of key metrics, scores, and financial health for First Savings Financial Group,

Overview of First Savings Financial Group, Inc.

FSFG NCM
Financial Services Banks - Regional
First Savings Financial Group, Inc. (FSFG), in the Banks - Regional industry, +27.6% 1Y return.
Metrics Rev Growth 19.4% ROE 12.5% Div Yield 2.00%
-
0.00%
As of Feb. 3, 2026
Previous close • Vol 90d: 38.4%
52-Week Range
Enterprise Value
$670.07M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.fsbbank.net
HQ Jeffersonville, IN
Employees 244
Fiscal year Sep 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$16
$29
$54
Current: $None

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$125.5M
4.2%%
Interest Expense
$62.2M
Net Interest Income
$63.3M
12.1%%
Total Revenue
$84.1M
19.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.8M
20.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Savings Financial Group, 's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
65
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FSFG's balance between Growth (37.0%), Profitability (26.9%), and Safety (36.2%). Growth 37% Safety 36% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
58
Key Signals
NII Growth YoY 12.1% 80p EPS Growth YoY 66.9% 88p Equity Growth YoY 9.2% 66p Asset Growth YoY -2.1% 12p
Strengths
  • NII Growth YoY in top 20% of peers (12.1%, 80th percentile)
  • EPS Growth YoY in top 20% of peers (66.9%, 88th percentile)
  • Financial Leverage in top 20% of peers (13.09, 86th percentile)
  • D/E Ratio in top 20% of peers (2.40, 95th percentile)
  • Debt/Assets in top 20% of peers (19.3%, 95th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-2.1%)

Profitability

42th percentile vs peers
42
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Savings Financial Group, .

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Bear
-
- - -
- upside
-
Base
$28.62
- - -
- upside
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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