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Upturn AI SWOT - About
FSFG 
First Savings Financial Group Inc (FSFG)
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Upturn Advisory Summary
10/24/2025: FSFG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $31
1 Year Target Price $31
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 91.03% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 216.65M USD | Price to earnings Ratio 9.76 | 1Y Target Price 31 |
Price to earnings Ratio 9.76 | 1Y Target Price 31 | ||
Volume (30-day avg) 3 | Beta 0.55 | 52 Weeks Range 21.37 - 33.00 | Updated Date 10/24/2025 |
52 Weeks Range 21.37 - 33.00 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 2.05% | Basic EPS (TTM) 3.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.81 | Actual - |
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 9.76 | Forward PE - | Enterprise Value 624503104 | Price to Sales(TTM) 2.72 |
Enterprise Value 624503104 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 8.44 | Enterprise Value to EBITDA - | Shares Outstanding 6977308 | Shares Floating 5391271 |
Shares Outstanding 6977308 | Shares Floating 5391271 | ||
Percent Insiders 20.05 | Percent Institutions 38.53 |
Upturn AI SWOT
First Savings Financial Group Inc
Company Overview
History and Background
First Savings Financial Group, Inc. was founded in 1987. Initially operating as a savings and loan, it has evolved into a diversified financial services company offering banking and wealth management services.
Core Business Areas
- Banking Services: Offers a range of deposit accounts, loans (including commercial, residential, and consumer loans), and other banking services to individuals and businesses.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Larry W. Myers serves as the Chairman and CEO. The company has a board of directors and a management team overseeing various departments, including banking operations, lending, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share data is not readily available. Competitors include larger regional and national banks.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share data is not readily available. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Provides checking, savings, and money market accounts to individual and business customers. Market share data is not readily available. Competitors include national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
First Savings Financial Group Inc. positions itself as a community-focused bank offering personalized service and a wide range of financial products. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking and wealth management is estimated to be in the hundreds of billions of dollars. First Savings Financial Group Inc. has a small but growing presence in this market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Diversified product offerings
- Experienced management team
Weaknesses
- Smaller scale compared to larger competitors
- Limited brand recognition outside its geographic footprint
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Technological advancements in banking
- Strategic partnerships
Threats
- Competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- PACW
- BOH
- CMA
Competitive Landscape
First Savings Financial Group Inc. faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its personalized service and local market knowledge. Disadvantages include a lack of economies of scale and a more limited product offering compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is dependent on information of historical financials
Future Projections: Projections are based on available financial analyst data.
Recent Initiatives: First Savings Financial Group, Inc. has focused on growing its wealth management business and expanding its digital banking capabilities.
Summary
First Savings Financial Group Inc. is a small, but stable, community bank with a growing wealth management business. Its local presence and customer relationships are its main strengths. However, it faces challenges from larger competitors and the changing banking landscape. The company should focus on leveraging technology and expanding its digital presence to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise.
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.
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