First Net Debt from 2010 to 2026

FSFG Stock

USD 33.98 0.95 2.88%

First Savings' Net Debt is increasing over the last several years with slightly volatile swings. Net Debt is estimated to finish at about 521.2 M this year. Net Debt is the total debt of First Savings Financial minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. View All Fundamentals

Net Debt

First Reported

2007-09-30

Previous Quarter

-31.9 M

Current Value

431.7 M

Quarterly Volatility

134.6 M

Housing Crash

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Check First Savings financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among First Savings' main balance sheet or income statement drivers, such as Interest Expense of 75.1 M, Total Revenue of 154 M or Gross Profit of 50.5 M, as well as many indicators such as Price To Sales Ratio of 1.8, Dividend Yield of 0.0138 or PTB Ratio of 0.66. First financial statements analysis is a perfect complement when working with First Savings Valuation or Volatility modules.

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Check out the analysis of First Savings Correlation against competitors.

The Net Debt trend for First Savings Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether First Savings is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.

Latest First Savings' Net Debt Growth Pattern

Below is the plot of the Net Debt of First Savings Financial over the last few years. It is the total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. First Savings' Net Debt historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First Savings' overall financial position and show how it may be relating to other accounts over time.

Net Debt

10 Years Trend

Slightly volatile

Compare to Others All Fundamentals

Net Debt

Timeline

First Net Debt Regression Statistics

	Arithmetic Mean	213,606,211
	Coefficient Of Variation	83.38
	Mean Deviation	152,797,989
	Median	202,576,000
	Standard Deviation	178,105,351
	Sample Variance	31721.5T
	Range	577.3M
	R-Value	0.96
	Mean Square Error	2745.7T
	R-Squared	0.92
	Slope	33,808,828
	Total Sum of Squares	507544.3T

First Net Debt History

	2026	521.2 M
	2025	496.4 M
	2024	431.7 M
	2023	297.6 M
	2022	380.3 M
	2021	352.2 M
	2020	234.2 M

Other Fundumenentals of First Savings Financial

Net Debt To E B I T D A

First Savings Net Debt component correlations

	Total Assets	Total Stockholder Equity	Net Debt	Total Liab	Total Current Assets	Retained Earnings	Accounts Payable	Net Receivables	Short Term Investments	Intangible Assets	Property Plant Equipment	Long Term Debt	Good Will	Treasury Stock	Short Term Debt	Common Stock	Net Tangible Assets	Capital Surpluse	Long Term Investments	Long Term Debt Total	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.96	0.98	1.0	0.9	0.99	0.75	0.99	-0.14	0.36	0.79	0.83	0.81	-0.77	0.78	0.92	0.83	-0.73	0.09	0.95	0.08	0.84	-0.58	0.92	0.87
Total Stockholder Equity	0.96		0.95	0.96	0.9	0.97	0.62	0.92	-0.19	0.3	0.79	0.77	0.83	-0.67	0.67	0.87	0.83	-0.7	0.14	0.86	0.03	0.81	-0.46	0.88	0.82
Net Debt	0.98	0.95		0.98	0.9	0.97	0.64	0.95	-0.21	0.37	0.78	0.82	0.8	-0.75	0.78	0.88	0.8	-0.7	0.15	0.93	0.08	0.82	-0.59	0.93	0.83
Total Liab	1.0	0.96	0.98		0.9	0.99	0.76	0.99	-0.14	0.37	0.79	0.84	0.81	-0.77	0.79	0.92	0.82	-0.73	0.09	0.96	0.08	0.84	-0.58	0.92	0.87
Total Current Assets	0.9	0.9	0.9	0.9		0.89	0.56	0.87	0.03	0.33	0.72	0.69	0.82	-0.82	0.78	0.81	0.69	-0.67	0.17	0.88	-0.09	0.7	-0.66	0.77	0.76
Retained Earnings	0.99	0.97	0.97	0.99	0.89		0.7	0.97	-0.22	0.37	0.77	0.84	0.79	-0.74	0.78	0.94	0.83	-0.74	0.11	0.95	0.06	0.84	-0.56	0.93	0.89
Accounts Payable	0.75	0.62	0.64	0.76	0.56	0.7		0.83	-0.06	0.11	0.52	0.79	0.49	-0.7	0.52	0.71	0.52	-0.44	-0.31	0.76	0.14	0.55	-0.27	0.66	0.7
Net Receivables	0.99	0.92	0.95	0.99	0.87	0.97	0.83		-0.1	0.36	0.77	0.84	0.79	-0.79	0.78	0.91	0.8	-0.72	0.04	0.96	0.1	0.83	-0.58	0.91	0.87
Short Term Investments	-0.14	-0.19	-0.21	-0.14	0.03	-0.22	-0.06	-0.1		0.53	0.2	-0.5	0.11	-0.09	-0.01	-0.18	0.09	-0.06	0.47	-0.15	0.03	0.01	-0.33	-0.21	-0.09
Intangible Assets	0.36	0.3	0.37	0.37	0.33	0.37	0.11	0.36	0.53		0.58	-0.01	0.39	-0.29	0.47	0.45	0.61	-0.37	0.64	0.33	0.29	0.48	-0.61	0.4	0.51
Property Plant Equipment	0.79	0.79	0.78	0.79	0.72	0.77	0.52	0.77	0.2	0.58		0.46	0.87	-0.6	0.59	0.71	0.95	-0.63	0.41	0.67	0.35	0.91	-0.56	0.87	0.8
Long Term Debt	0.83	0.77	0.82	0.84	0.69	0.84	0.79	0.84	-0.5	-0.01	0.46		0.52	-0.72	0.57	0.8	0.49	-0.53	-0.39	0.87	-0.07	0.55	-0.22	0.76	0.73
Good Will	0.81	0.83	0.8	0.81	0.82	0.79	0.49	0.79	0.11	0.39	0.87	0.52		-0.6	0.53	0.66	0.84	-0.77	0.23	0.73	0.07	0.89	-0.54	0.8	0.68
Treasury Stock	-0.77	-0.67	-0.75	-0.77	-0.82	-0.74	-0.7	-0.79	-0.09	-0.29	-0.6	-0.72	-0.6		-0.7	-0.72	-0.55	0.54	0.07	-0.84	0.15	-0.55	0.57	-0.67	-0.73
Short Term Debt	0.78	0.67	0.78	0.79	0.78	0.78	0.52	0.78	-0.01	0.47	0.59	0.57	0.53	-0.7		0.78	0.63	-0.49	0.34	0.83	0.2	0.65	-0.87	0.76	0.76
Common Stock	0.92	0.87	0.88	0.92	0.81	0.94	0.71	0.91	-0.18	0.45	0.71	0.8	0.66	-0.72	0.78		0.78	-0.6	0.09	0.9	0.15	0.73	-0.53	0.86	0.97
Net Tangible Assets	0.83	0.83	0.8	0.82	0.69	0.83	0.52	0.8	0.09	0.61	0.95	0.49	0.84	-0.55	0.63	0.78		-0.72	0.42	0.71	0.28	0.94	-0.55	0.9	0.84
Capital Surpluse	-0.73	-0.7	-0.7	-0.73	-0.67	-0.74	-0.44	-0.72	-0.06	-0.37	-0.63	-0.53	-0.77	0.54	-0.49	-0.6	-0.72		-0.17	-0.75	0.18	-0.77	0.5	-0.67	-0.6
Long Term Investments	0.09	0.14	0.15	0.09	0.17	0.11	-0.31	0.04	0.47	0.64	0.41	-0.39	0.23	0.07	0.34	0.09	0.42	-0.17		-0.01	0.34	0.34	-0.58	0.18	0.13
Long Term Debt Total	0.95	0.86	0.93	0.96	0.88	0.95	0.76	0.96	-0.15	0.33	0.67	0.87	0.73	-0.84	0.83	0.9	0.71	-0.75	-0.01		-0.02	0.76	-0.64	0.86	0.86
Short Long Term Debt	0.08	0.03	0.08	0.08	-0.09	0.06	0.14	0.1	0.03	0.29	0.35	-0.07	0.07	0.15	0.2	0.15	0.28	0.18	0.34	-0.02		0.28	-0.19	0.29	0.24
Earning Assets	0.84	0.81	0.82	0.84	0.7	0.84	0.55	0.83	0.01	0.48	0.91	0.55	0.89	-0.55	0.65	0.73	0.94	-0.77	0.34	0.76	0.28		-0.62	0.92	0.78
Current Deferred Revenue	-0.58	-0.46	-0.59	-0.58	-0.66	-0.56	-0.27	-0.58	-0.33	-0.61	-0.56	-0.22	-0.54	0.57	-0.87	-0.53	-0.55	0.5	-0.58	-0.64	-0.19	-0.62		-0.57	-0.54
Net Invested Capital	0.92	0.88	0.93	0.92	0.77	0.93	0.66	0.91	-0.21	0.4	0.87	0.76	0.8	-0.67	0.76	0.86	0.9	-0.67	0.18	0.86	0.29	0.92	-0.57		0.88
Capital Stock	0.87	0.82	0.83	0.87	0.76	0.89	0.7	0.87	-0.09	0.51	0.8	0.73	0.68	-0.73	0.76	0.97	0.84	-0.6	0.13	0.86	0.24	0.78	-0.54	0.88

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About First Savings Financial Statements

First Savings stakeholders use historical fundamental indicators, such as First Savings' Net Debt, to determine how well the company is positioned to perform in the future. Although First Savings investors may analyze each financial statement separately, they are all interrelated. For example, changes in First Savings' assets and liabilities are reflected in the revenues and expenses on First Savings' income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in First Savings Financial. Please read more on our technical analysis and fundamental analysis pages.

	Last Reported	Projected for Next Year
Net Debt	496.4 M	521.2 M
Net Debt To EBITDA	20.16	19.15

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When determining whether First Savings Financial is a strong investment it is important to analyze First Savings' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact First Savings' future performance. For an informed investment choice regarding First Stock, refer to the following important reports:

How To Invest In First

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Is First Stock a good investment?

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What is First Savings' Net Worth?

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Largest Banks - Regional Companies

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Largest Financial Services Companies

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Check out the analysis of First Savings Correlation against competitors.

You can also try the Fundamentals Comparison module to compare fundamentals across multiple equities to find investing opportunities.

Can Regional Banks industry sustain growth momentum? Does First have expansion opportunities? Factors like these will boost the valuation of First Savings. Market participants price First higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating First Savings demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.

Quarterly Earnings Growth

0.418

Dividend Share

0.63

Earnings Share

3.32

Revenue Per Share

12.257

Quarterly Revenue Growth

0.263

Investors evaluate First Savings Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating First Savings' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause First Savings' market price to deviate significantly from intrinsic value.

Please note, there is a significant difference between First Savings' value and its price as these two are different measures arrived at by different means. Investors typically determine if First Savings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, First Savings' market price signifies the transaction level at which participants voluntarily complete trades.

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First Net Debt from 2010 to 2026

Latest First Savings' Net Debt Growth Pattern

First Net Debt Regression Statistics

First Net Debt History

Other Fundumenentals of First Savings Financial

First Savings Net Debt component correlations

About First Savings Financial Statements

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