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FSFG logo FSFG
Upturn stock ratingUpturn stock rating
FSFG logo

First Savings Financial Group Inc (FSFG)

Upturn stock ratingUpturn stock rating
$27.12
Last Close (24-hour delay)
Profit since last BUY0%
upturn advisory
Strong Buy
BUY since 1 day
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

08/14/2025: FSFG (3-star) is a STRONG-BUY. BUY since 1 days. Profits (0.00%). Updated daily EoD!

Upturn Star Rating

rating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

3 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $31.33

1 Year Target Price $31.33

Analysts Price Target For last 52 week
$31.33 Target price
52w Low $21.5
Current$27.12
52w High $30.38

Analysis of Past Performance

Type Stock
Historic Profit 65.01%
Avg. Invested days 40
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 189.20M USD
Price to earnings Ratio 8.75
1Y Target Price 31.33
Price to earnings Ratio 8.75
1Y Target Price 31.33
Volume (30-day avg) 3
Beta 0.41
52 Weeks Range 21.50 - 30.38
Updated Date 08/15/2025
52 Weeks Range 21.50 - 30.38
Updated Date 08/15/2025
Dividends yield (FY) 2.26%
Basic EPS (TTM) 3.1

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-07-23
When After Market
Estimate 0.6833
Actual 0.81

Profitability

Profit Margin 27.06%
Operating Margin (TTM) 36.39%

Management Effectiveness

Return on Assets (TTM) 0.9%
Return on Equity (TTM) 12.26%

Valuation

Trailing PE 8.75
Forward PE -
Enterprise Value 597484160
Price to Sales(TTM) 2.37
Enterprise Value 597484160
Price to Sales(TTM) 2.37
Enterprise Value to Revenue 8.1
Enterprise Value to EBITDA -
Shares Outstanding 6976560
Shares Floating 4717105
Shares Outstanding 6976560
Shares Floating 4717105
Percent Insiders 19.59
Percent Institutions 42.47

ai summary icon Upturn AI SWOT

First Savings Financial Group Inc

stock logo

Company Overview

overview logo History and Background

First Savings Financial Group, Inc. was founded in 1985. Initially operating as a savings and loan institution, the company has evolved into a diversified financial services provider. Over the years, it has expanded its range of products and services, adapting to changing market conditions and customer needs.

business area logo Core Business Areas

  • Community Banking: Offers a range of traditional banking services, including checking and savings accounts, loans, and other financial products for individuals and businesses in its local communities.
  • Mortgage Lending: Originates and services residential mortgage loans, providing financing for homebuyers and homeowners seeking to refinance their mortgages.
  • Wealth Management: Provides wealth management and investment advisory services to individuals and families.

leadership logo Leadership and Structure

The leadership team consists of experienced banking and financial professionals. The organizational structure includes departments for retail banking, mortgage lending, wealth management, and corporate functions like finance and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Mortgage Loans: Residential mortgage loans are a primary product, catering to first-time homebuyers and those refinancing. Market share data is not readily available for this specific segment of their business, but is a highly competitive industry with players such as Rocket Mortgage, UWM, and PennyMac. Revenue data is reflected in overall financial performance.
  • Deposit Accounts: Checking, savings, and money market accounts are offered to individuals and businesses. Market share in deposit accounts is competitive with regional and national banks.
  • Commercial Loans: Loan services for businesses to help facilitate their growth, compete with larger national banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is characterized by increasing competition, regulatory changes, and evolving customer preferences. Digital banking is growing, and interest rate fluctuations impact profitability.

Positioning

First Savings Financial Group positions itself as a community-focused bank with personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.

Total Addressable Market (TAM)

The TAM includes the total value of all banking services in the regions it operates. FSFG is positioned to capture a share of this TAM through its community focus and targeted services.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Customer-centric approach
  • Experienced management team
  • Diversified revenue streams

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to national banks
  • Dependence on interest rate environment

Opportunities

  • Expansion into new markets
  • Adoption of digital banking technologies
  • Strategic acquisitions
  • Increased demand for wealth management services

Threats

  • Increased competition from larger banks and fintech companies
  • Regulatory changes
  • Economic downturns
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • BOKF (BOKF)
  • CASH (CASH)
  • CVBF (CVBF)

Competitive Landscape

FSFG competes with larger national and regional banks, as well as smaller community banks. It differentiates itself through local market knowledge and personalized service.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends would depend on the specific financial data over the past years, including revenue, profit, and asset growth.

Future Projections: Future projections would require analyst estimates. Factors include loan growth, deposit growth, and interest rate forecasts.

Recent Initiatives: Recent initiatives may include expansion into new markets, adoption of new technologies, or strategic partnerships.

Summary

First Savings Financial Group is a community-focused bank that is challenged by competition and regulatory changes. Its strengths lie in its local presence and customer-centric approach. It needs to adopt digital technologies and strategically grow. External economic downturns pose threats that it needs to safeguard.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company SEC filings
  • Financial news sources
  • Industry reports

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimates and may not reflect precise figures. Actual performance may vary.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 250

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.