First Savings Financial Group, Inc. (FSFG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First National Corp. (Virginia)

LINKBANCORP, Inc.

Meridian Corp. (Pennsylvania)

FinWise Bancorp

First United Corp.

Ohio Valley Banc Corp.

First Savings Financial Group, Inc.

CB Financial Services, Inc.

Summit State Bank (California)

First Financial Northwest, Inc.

BankFinancial Corp.

Why is First Savings Financial Group, Inc. ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 9.78%

Poor long term growth as Net profit has grown by an annual rate of -0.87%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

The company has declared Positive results for the last 5 consecutive quarters

NII(Q) Highest at USD 16.73 MM
ROCE(HY) Highest at 0.9%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.58%, it has a attractive valuation with a 1.08 Price to Book Value

Over the past year, while the stock has generated a return of 28.94%, its profits have risen by 184.2% ; the PEG ratio of the company is 0.1

Market Beating Performance

The stock has generated a return of 28.94% in the last 1 year, much higher than market (S&P 500) returns of 15.98%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Savings Financial Group, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Savings Financial Group, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First Savings Financial Group, Inc.

44.53%

3.01

33.37%

S&P 500

13.99%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.62%

EBIT Growth (5y)

-20.80%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

18.98%

Pledged Shares

Institutional Holding

39.12%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.08

EV to EBIT

25.13

EV to EBITDA

21.62

EV to Capital Employed

1.03

EV to Sales

3.58

PEG Ratio

0.05

Dividend Yield

1.63%

ROCE (Latest)

4.12%

ROE (Latest)

10.87%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

NII(Q)

Highest at USD 16.73 MM

ROCE(HY)

Highest at 0.9%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET PROFIT(9M)

Higher at USD 17.89 MM

OPERATING PROFIT(Q)

Highest at USD 6.85 MM

OPERATING PROFIT MARGIN(Q)

Highest at 21.43 %

PRE-TAX PROFIT(Q)

Highest at USD 7.13 MM

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -24.93 MM

ROCE(HY)

Lowest at 0.9%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 18.11%

Here's what is working for First Savings Financial Group, Inc.

NII

Highest at USD 16.73 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Profit

At USD 17.89 MM has Grown at 80.34%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Operating Profit

Highest at USD 6.85 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 21.43 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 7.13 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Higher at USD 17.89 MM

than preceding 12 month period ended Jun 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

CASA

Highest at 10.07%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for First Savings Financial Group, Inc.

Operating Cash Flow

Lowest at USD -24.93 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 18.11%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)