Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
FSFG 
First Savings Financial Group Inc (FSFG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/27/2025: FSFG (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
3 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $32.33
Year Target Price $32.33
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.01% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 168.14M USD | Price to earnings Ratio 8.65 | 1Y Target Price 32.33 |
Price to earnings Ratio 8.65 | 1Y Target Price 32.33 | ||
Volume (30-day avg) - | Beta 0.42 | 52 Weeks Range 17.32 - 30.38 | Updated Date 06/29/2025 |
52 Weeks Range 17.32 - 30.38 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.63% | Basic EPS (TTM) 2.81 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.67% | Operating Margin (TTM) 31.77% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 11.31% |
Valuation
Trailing PE 8.65 | Forward PE - | Enterprise Value 511845440 | Price to Sales(TTM) 2.22 |
Enterprise Value 511845440 | Price to Sales(TTM) 2.22 | ||
Enterprise Value to Revenue 2.19 | Enterprise Value to EBITDA - | Shares Outstanding 6919140 | Shares Floating 4715576 |
Shares Outstanding 6919140 | Shares Floating 4715576 | ||
Percent Insiders 19.75 | Percent Institutions 35.9 |
Analyst Ratings
Rating 4.33 | Target Price 32.33 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Savings Financial Group Inc
Company Overview
History and Background
First Savings Financial Group, Inc. was founded in 1998 as First Savings Bank, FSB. It initially focused on providing traditional banking services. Over time, it expanded its services and footprint, growing through organic means and strategic acquisitions to become a financial holding company.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses in its local communities.
- Mortgage Banking: Engages in the origination, sale, and servicing of residential mortgage loans.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
Larry W. Myers is the Chairman, President, and CEO. The organizational structure includes various departments such as lending, operations, finance, and compliance, each headed by senior management. The board of directors provides overall governance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Primarily single-family residential mortgage loans. No specific market share is available. Competitors include national and regional banks, credit unions, and mortgage companies (e.g., JPMorgan Chase, Wells Fargo, U.S. Bank, Rocket Mortgage).
- Commercial Real Estate Loans: Loans for commercial properties. No specific market share is available. Competitors include other local and regional banks, credit unions and national CRE lenders.
- Deposit Accounts: Checking, savings, money market, and certificate of deposit accounts. No specific market share data is available.
Market Dynamics
Industry Overview
The banking industry is currently influenced by rising interest rates, regulatory changes, technological advancements (FinTech), and increasing competition from non-bank financial institutions.
Positioning
First Savings Financial Group Inc. operates as a community-focused bank, differentiating itself through personalized service and local market expertise. Their mortgage business contributes significantly to revenue.
Total Addressable Market (TAM)
The TAM for community banking and mortgage lending is substantial, estimated at trillions of dollars annually in the US. First Savings Financial Group Inc. aims to capture a portion of this market through its community-focused approach and mortgage offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Mortgage origination capabilities
- Wealth management services
Weaknesses
- Limited geographic footprint
- Sensitivity to interest rate changes
- Dependence on mortgage market conditions
- Lower brand recognition compared to larger national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisitions of smaller banks
- Growth in wealth management services
- Increasing loan volume through new construction
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand
- Regulatory changes impacting banking operations
- Rising interest rates reducing mortgage affordability
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BOH (Bancorp Hawaii Inc)
- WSFS (WSFS Financial Corporation)
- FFIC (Flushing Financial Corporation)
- PB (Prosperity Bancshares Inc)
- CASH (Pathward Financial Inc)
Competitive Landscape
First Savings Financial Group Inc. faces competition from larger regional and national banks with greater resources and brand recognition. Its advantages lie in its community focus and personalized service, while its disadvantages include a smaller geographic footprint and limited scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is determined by analyzing past financial statements and identifying trends in revenue, earnings, and asset growth.
Future Projections: Future projections depend on analyst estimates, which can be found on financial websites. These estimates typically project revenue and earnings growth over the next few years.
Recent Initiatives: Recent strategic initiatives should be sourced from company press releases, investor presentations, and SEC filings. This could include new branch openings, technology investments, or acquisitions.
Summary
First Savings Financial Group Inc. is a smaller community bank with a strong focus on mortgage lending. Its strengths include customer relationships and local market expertise, but it faces challenges from larger competitors and interest rate sensitivity. Its growth depends on strategic initiatives and the health of the housing market. Further, its reliance on the housing industry exposes it to market volatility.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q)
- Company website and investor relations materials
- Financial news websites (e.g., Yahoo Finance, Bloomberg)
- Analyst reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Savings Financial Group Inc
Exchange NASDAQ | Headquaters Jeffersonville, IN, United States | ||
IPO Launch date 2008-10-07 | President, CEO & Director Mr. Larry W. Myers | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 250 | Website https://www.fsbbank.net |
Full time employees 250 | Website https://www.fsbbank.net | ||
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 Core Banking and SBA Lending segments. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. In addition, the company 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, boat loan, truck loan, and auto loans; and home equity lines of credit. Further, it offers 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.