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First Savings Financial Group Inc (FSFG)



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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!
1 Year Target Price $31.33
1 Year Target Price $31.33
1 | Strong Buy |
2 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.01% | Avg. Invested days 40 | Today’s Advisory Strong Buy |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
First Savings Financial Group Inc

Company Overview
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.
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 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
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
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
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.
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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