Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
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
09/16/2025: FSFG (3-star) is a STRONG-BUY. BUY since 23 days. Simulated Profits (0.11%). Updated daily EoD!
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
Very few follow this stock; limited insights, higher-risk early investing.
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 66.05% | Avg. Invested days 44 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 187.53M USD | Price to earnings Ratio 8.67 | 1Y Target Price 31.33 |
Price to earnings Ratio 8.67 | 1Y Target Price 31.33 | ||
Volume (30-day avg) 3 | Beta 0.42 | 52 Weeks Range 21.37 - 30.20 | Updated Date 09/15/2025 |
52 Weeks Range 21.37 - 30.20 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.30% | Basic EPS (TTM) 3.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 8.67 | Forward PE - | Enterprise Value 595834176 | Price to Sales(TTM) 2.35 |
Enterprise Value 595834176 | Price to Sales(TTM) 2.35 | ||
Enterprise Value to Revenue 8.09 | Enterprise Value to EBITDA - | Shares Outstanding 6976560 | Shares Floating 5110838 |
Shares Outstanding 6976560 | Shares Floating 5110838 | ||
Percent Insiders 19.6 | Percent Institutions 38.68 |
Upturn AI SWOT
First Savings Financial Group Inc
Company Overview
History and Background
First Savings Financial Group, Inc. was founded in 1984 as First Savings Bank, FSB. It has grown from a single-office savings bank to a financial institution with multiple branches and a range of financial services. The company primarily serves the southern Indiana market.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and small businesses.
- Mortgage Lending: Originates and services residential mortgage loans.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
The company is led by a board of directors and executive management team. Larry W. Myers is the Chairman and CEO. The organizational structure includes various departments overseeing banking operations, lending, finance, and compliance.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a significant revenue driver. Market share data specific to First Savings Financial Group is difficult to ascertain without proprietary sources, but they compete with regional and national banks like JPMorgan Chase (JPM), Wells Fargo (WFC), and US Bancorp (USB).
- Commercial Loans: Loans to small and medium-sized businesses in their market. Competitors include regional and national banks.
- Deposit Accounts: Checking, savings, and money market accounts, as well as certificates of deposit (CDs) for individuals and businesses. Competition includes credit unions and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory requirements. Community banks are adapting to technological advancements and focusing on customer relationships.
Positioning
First Savings Financial Group Inc. positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include its strong presence in the southern Indiana market and its commitment to customer relationships.
Total Addressable Market (TAM)
The TAM for community banking services in southern Indiana is estimated in the billions of dollars. First Savings Financial Group Inc. is positioned to capture a portion of this market through its local presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Well-capitalized
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on interest rate spread
- Limited product diversification
Opportunities
- Expanding into new markets
- Leveraging technology to improve efficiency
- Growing wealth management services
- Acquiring other community banks
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Old National Bancorp (ONB)
- German American Bancorp (GABC)
- Fifth Third Bancorp (FITB)
Competitive Landscape
First Savings Financial Group Inc. faces competition from larger regional banks and other community banks. Its advantages include its local expertise and customer service, while its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed by examining revenue growth, asset growth, and market share gains over the past years.
Future Projections: Future growth projections are based on analyst estimates and company guidance, considering factors such as market conditions, regulatory changes, and strategic initiatives.
Recent Initiatives: Recent strategic initiatives may include branch expansions, technology upgrades, and new product launches.
Summary
First Savings Financial Group, Inc. is a community-focused bank with a strong local presence, but it faces competition from larger banks. Its customer-focused approach is a key strength. Limited geographic reach and product diversification could hinder growth. Watching for increased competition and economic changes are key.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data is subject to change. 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.