First Savings Financial Stock Net Income
| FSFG Stock | USD 32.39 1.36 4.03% |
As of the 23rd of January, First Savings shows the Coefficient Of Variation of 753.54, mean deviation of 1.18, and Downside Deviation of 1.26. First Savings Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm First Savings Financial variance, maximum drawdown, as well as the relationship between the Maximum Drawdown and semi variance to decide if First Savings Financial is priced favorably, providing market reflects its regular price of 32.39 per share. Given that First Savings has jensen alpha of 0.1077, we urge you to verify First Savings Financial's prevailing market performance to make sure the company can sustain itself at a future point.
First Savings Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 8.304 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 26.6 M | 28 M | |
| Net Income Applicable To Common Shares | 18.9 M | 10.4 M | |
| Net Income From Continuing Ops | 26.6 M | 14.5 M | |
| Net Income Per Share | 3.03 | 3.19 | |
| Net Income Per E B T | 0.78 | 0.58 |
First | Net Income | Build AI portfolio with First Stock |
Latest First Savings' Net Income Growth Pattern
Below is the plot of the Net Income of First Savings Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First Savings Financial financial statement analysis. It represents the amount of money remaining after all of First Savings Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First Savings' Net Income 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.
| View | Last Reported 23.16 M | 10 Years Trend |
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Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 14,374,297 | |
| Geometric Mean | 10,677,951 | |
| Coefficient Of Variation | 70.36 | |
| Mean Deviation | 8,426,703 | |
| Median | 10,902,000 | |
| Standard Deviation | 10,113,579 | |
| Sample Variance | 102.3T | |
| Range | 32.3M | |
| R-Value | 0.75 | |
| Mean Square Error | 47.5T | |
| R-Squared | 0.57 | |
| Significance | 0.0005 | |
| Slope | 1,505,454 | |
| Total Sum of Squares | 1636.6T |
First Net Income History
Other Fundumenentals of First Savings Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First Savings Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First Savings is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First Savings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Savings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Savings' interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Savings. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Savings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.418 | Dividend Share 0.63 | Earnings Share 3.32 | Revenue Per Share | Quarterly Revenue Growth 0.263 |
The market value of First Savings Financial is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Savings' value that differs from its market value or its book value, called intrinsic value, which is First Savings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Savings' market value can be influenced by many factors that don't directly affect First Savings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely 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. However, First Savings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
First Savings 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Savings' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Savings.
| 10/25/2025 |
| 01/23/2026 |
If you would invest 0.00 in First Savings on October 25, 2025 and sell it all today you would earn a total of 0.00 from holding First Savings Financial or generate 0.0% return on investment in First Savings over 90 days. First Savings is related to or competes with Avidbank Holdings, First United, First Community, Hawthorn Bancshares, Virginia National, LCNB, and Bank Of Princeton. First Savings Financial Group, Inc. operates as the bank holding company for First Savings Bank that provides various fi... More
First Savings Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Savings' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Savings Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.26 | |||
| Information Ratio | 0.069 | |||
| Maximum Drawdown | 8.0 | |||
| Value At Risk | (1.85) | |||
| Potential Upside | 3.69 |
First Savings Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Savings' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Savings' standard deviation. In reality, there are many statistical measures that can use First Savings historical prices to predict the future First Savings' volatility.| Risk Adjusted Performance | 0.1035 | |||
| Jensen Alpha | 0.1077 | |||
| Total Risk Alpha | (0) | |||
| Sortino Ratio | 0.089 | |||
| Treynor Ratio | 0.1964 |
First Savings January 23, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Price Transform | ||
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| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1035 | |||
| Market Risk Adjusted Performance | 0.2064 | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 1.1 | |||
| Downside Deviation | 1.26 | |||
| Coefficient Of Variation | 753.54 | |||
| Standard Deviation | 1.63 | |||
| Variance | 2.66 | |||
| Information Ratio | 0.069 | |||
| Jensen Alpha | 0.1077 | |||
| Total Risk Alpha | (0) | |||
| Sortino Ratio | 0.089 | |||
| Treynor Ratio | 0.1964 | |||
| Maximum Drawdown | 8.0 | |||
| Value At Risk | (1.85) | |||
| Potential Upside | 3.69 | |||
| Downside Variance | 1.6 | |||
| Semi Variance | 1.2 | |||
| Expected Short fall | (1.46) | |||
| Skewness | 0.8001 | |||
| Kurtosis | 2.23 |
First Savings Financial Backtested Returns
At this point, First Savings is very steady. First Savings Financial secures Sharpe Ratio (or Efficiency) of 0.0637, which denotes the company had a 0.0637 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for First Savings Financial, which you can use to evaluate the volatility of the firm. Please confirm First Savings' Downside Deviation of 1.26, coefficient of variation of 753.54, and Mean Deviation of 1.18 to check if the risk estimate we provide is consistent with the expected return of 0.11%. First Savings has a performance score of 5 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 1.05, which means a somewhat significant risk relative to the market. First Savings returns are very sensitive to returns on the market. As the market goes up or down, First Savings is expected to follow. First Savings Financial right now shows a risk of 1.67%. Please confirm First Savings Financial semi variance, and the relationship between the maximum drawdown and accumulation distribution , to decide if First Savings Financial will be following its price patterns.
Auto-correlation | -0.06 |
Very weak reverse predictability
First Savings Financial has very weak reverse predictability. Overlapping area represents the amount of predictability between First Savings time series from 25th of October 2025 to 9th of December 2025 and 9th of December 2025 to 23rd of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Savings Financial price movement. The serial correlation of -0.06 indicates that barely 6.0% of current First Savings price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.06 | |
| Spearman Rank Test | -0.32 | |
| Residual Average | 0.0 | |
| Price Variance | 0.31 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, First Savings Financial reported net income of 23.16 M. This is 98.19% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.94% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Savings' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Savings could also be used in its relative valuation, which is a method of valuing First Savings by comparing valuation metrics of similar companies.First Savings is currently under evaluation in net income category among its peers.
First Savings ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Savings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Savings' managers, analysts, and investors.Environmental | Governance | Social |
First Savings Institutional Holders
Institutional Holdings refers to the ownership stake in First Savings that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Savings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Savings' value.| Shares | State Street Corp | 2025-06-30 | 59.3 K | Bridgeway Capital Management, Llc | 2025-06-30 | 53.6 K | Stilwell Value Llc | 2025-06-30 | 52.5 K | Connor Clark & Lunn Inv Mgmt Ltd | 2025-06-30 | 35.1 K | Empowered Funds, Llc | 2025-06-30 | 32.9 K | Millennium Management Llc | 2025-06-30 | 31.9 K | Citadel Advisors Llc | 2025-06-30 | 26.3 K | O'shaughnessy Asset Management Llc | 2025-06-30 | 24.4 K | Goldman Sachs Group Inc | 2025-06-30 | 20.1 K | Fj Capital Management Llc | 2025-06-30 | 282.9 K | Vanguard Group Inc | 2025-06-30 | 282.3 K |
First Fundamentals
| Return On Equity | 0.13 | |||
| Return On Asset | 0.0096 | |||
| Profit Margin | 0.28 % | |||
| Operating Margin | 0.34 % | |||
| Current Valuation | 668.96 M | |||
| Shares Outstanding | 7.02 M | |||
| Shares Owned By Insiders | 20.49 % | |||
| Shares Owned By Institutions | 40.96 % | |||
| Number Of Shares Shorted | 70.43 K | |||
| Price To Earning | 1.05 X | |||
| Price To Book | 1.21 X | |||
| Price To Sales | 2.81 X | |||
| Revenue | 127.53 M | |||
| Gross Profit | 84.22 M | |||
| EBITDA | 89.08 M | |||
| Net Income | 23.16 M | |||
| Cash And Equivalents | 40.34 M | |||
| Cash Per Share | 5.73 X | |||
| Total Debt | 2.21 B | |||
| Debt To Equity | 8.20 % | |||
| Book Value Per Share | 28.14 X | |||
| Cash Flow From Operations | 79.13 M | |||
| Short Ratio | 4.11 X | |||
| Earnings Per Share | 3.32 X | |||
| Target Price | 32.5 | |||
| Number Of Employees | 244 | |||
| Beta | 0.45 | |||
| Market Capitalization | 236.76 M | |||
| Total Asset | 2.4 B | |||
| Retained Earnings | 192.11 M | |||
| Annual Yield | 0.02 % | |||
| Five Year Return | 1.23 % | |||
| Net Asset | 2.4 B | |||
| Last Dividend Paid | 0.63 |
About First Savings Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Savings Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Savings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Savings Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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:Check out First Savings Piotroski F Score and First Savings Altman Z Score analysis. You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Savings. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Savings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.418 | Dividend Share 0.63 | Earnings Share 3.32 | Revenue Per Share | Quarterly Revenue Growth 0.263 |
The market value of First Savings Financial is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Savings' value that differs from its market value or its book value, called intrinsic value, which is First Savings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Savings' market value can be influenced by many factors that don't directly affect First Savings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely 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. However, First Savings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.