First Savings Financial Stock Analysis

FSFG Stock  USD 32.64  0.24  0.73%   
First Savings Financial is fairly valued with Real Value of 31.79 and Target Price of 32.5. The main objective of First Savings stock analysis is to determine its intrinsic value, which is an estimate of what First Savings Financial is worth, separate from its market price. There are two main types of First Savings' stock analysis: fundamental analysis and technical analysis.
The First Savings stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First Savings' ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Savings Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.

First Stock Analysis Notes

About 20.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.19. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Savings Financial last dividend was issued on the 15th of December 2025. The entity had 3:1 split on the 16th of September 2021. 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. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana. First Savings operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 550 people. To learn more about First Savings Financial call Larry Myers at 812 283 0724 or check out https://www.fsbbank.net.

First Savings Financial Investment Alerts

First Savings Financial Upcoming and Recent Events

5th of February 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of October 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
30th of September 2023
Last Financial Announcement
View

First Largest EPS Surprises

Earnings surprises can significantly impact First Savings' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2019-01-29
2018-12-310.360.410.0513 
2023-04-27
2023-03-310.60.54-0.0610 
2025-01-28
2024-12-310.690.62-0.0710 
View All Earnings Estimates

First Savings Environmental, Social, and Governance (ESG) Scores

First Savings' ESG score is a quantitative measure that evaluates First Savings' performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First Savings' operations that may have significant financial implications and affect First Savings' stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
State Street Corp2025-06-30
59.3 K
Bridgeway Capital Management, Llc2025-06-30
53.6 K
Stilwell Value Llc2025-06-30
52.5 K
Connor Clark & Lunn Inv Mgmt Ltd2025-06-30
35.1 K
Empowered Funds, Llc2025-06-30
32.9 K
Millennium Management Llc2025-06-30
31.9 K
Citadel Advisors Llc2025-06-30
26.3 K
O'shaughnessy Asset Management Llc2025-06-30
24.4 K
Goldman Sachs Group Inc2025-06-30
20.1 K
Fj Capital Management Llc2025-06-30
282.9 K
Vanguard Group Inc2025-06-30
282.3 K
Note, although First Savings' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 228.97 M.

First Profitablity

The company has Profit Margin (PM) of 0.28 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.34 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.34.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.02  0.03 
Return On Assets 0.00  0.01 
Return On Equity 0.07  0.06 

Management Efficiency

At this time, First Savings' Return On Assets are most likely to slightly decrease in the upcoming years. At this time, First Savings' Other Assets are most likely to increase significantly in the upcoming years. The First Savings' current Total Current Assets is estimated to increase to about 377.6 M, while Intangible Assets are projected to decrease to roughly 3.2 M. First Savings' management efficiency ratios could be used to measure how well First Savings manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 23.34  24.51 
Tangible Book Value Per Share 21.63  22.71 
Enterprise Value Over EBITDA 31.17  29.61 
Price Book Value Ratio 0.83  0.66 
Enterprise Value Multiple 31.17  29.61 
Price Fair Value 0.83  0.66 
Enterprise Value433.1 M454.7 M
The strategic decisions made by First Savings management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.0192
Operating Margin
0.3413
Profit Margin
0.275
Forward Dividend Yield
0.0195
Beta
0.455

Technical Drivers

As of the 26th of December, First Savings shows the Coefficient Of Variation of 820.78, downside deviation of 1.72, and Mean Deviation of 1.55. 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 32.64 per share. Given that First Savings has jensen alpha of 0.2677, 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 Financial Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two.

First Savings Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Savings insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Savings' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Savings insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Fordyce L. Chris over two weeks ago
Disposition of 300 shares by Fordyce L. Chris of First Savings at 13.36 subject to Rule 16b-3
 
Padgett Martin over two weeks ago
Disposition of 750 shares by Padgett Martin of First Savings at 29.0 subject to Rule 16b-3
 
Stemler Steven R over a month ago
Acquisition by Stemler Steven R of 500 shares of First Savings subject to Rule 16b-3
 
Jacqueline Journell over a month ago
Acquisition by Jacqueline Journell of 3000 shares of First Savings subject to Rule 16b-3
 
Larry Myers over six months ago
Acquisition by Larry Myers of 6375 shares of First Savings subject to Rule 16b-3
 
Howard William Eric over six months ago
Disposition of 303 shares by Howard William Eric of First Savings at 29.0 subject to Rule 16b-3
 
Czeschin Frank over six months ago
Disposition of 750 shares by Czeschin Frank of First Savings at 15.1 subject to Rule 16b-3
 
Padgett Martin over six months ago
Acquisition by Padgett Martin of 1200 shares of First Savings at 21.1 subject to Rule 16b-3
 
Stemler Steven R over six months ago
Disposition of 1200 shares by Stemler Steven R of First Savings at 21.1 subject to Rule 16b-3
 
Lenfield Basham over six months ago
Acquisition by Lenfield Basham of 960 shares of First Savings at 29.0 subject to Rule 16b-3
 
Hanke Troy D. over six months ago
Acquisition by Hanke Troy D. of 750 shares of First Savings at 29.0 subject to Rule 16b-3
 
Padgett Martin over six months ago
Disposition of 750 shares by Padgett Martin of First Savings at 15.1 subject to Rule 16b-3

First Savings Outstanding Bonds

First Savings issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Savings Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Savings Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Savings Predictive Daily Indicators

First Savings intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Savings stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First Savings Corporate Filings

8K
19th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
10K
12th of December 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
F4
5th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
4th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
2nd of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
25th of November 2025
Other Reports
ViewVerify
14th of November 2025
Other Reports
ViewVerify
13A
12th of November 2025
An amended filing to the original Schedule 13G
ViewVerify

First Savings Forecast Models

First Savings' time-series forecasting models are one of many First Savings' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Savings' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Savings prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Savings. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.21  0.13 
Operating Profit Margin 0.10  0.13 
Net Profit Margin 0.18  0.10 
Gross Profit Margin 0.45  0.58 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
32.5Strong Buy3Odds
First Savings Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First Savings Financial, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First Savings Financial stock analysis indicators help investors evaluate how First Savings stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Savings shares will generate the highest return on investment. By understating and applying First Savings stock analysis, traders can identify First Savings position entry and exit signals to maximize returns.
Begin Period Cash Flow52.1 M
Long Term Debt463.8 M
Common Stock Shares OutstandingM
Total Stockholder Equity193.5 M
Tax Provision3.7 M
Quarterly Earnings Growth Y O Y0.418
Property Plant And Equipment Net25.4 M
Cash32.1 M
Accounts PayableM
Net Debt431.7 M
50 Day M A30.9444
Stock Based Compensation918 K

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When running First Savings' price analysis, check to measure First Savings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Savings is operating at the current time. Most of First Savings' value examination focuses on studying past and present price action to predict the probability of First Savings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Savings' price. Additionally, you may evaluate how the addition of First Savings to your portfolios can decrease your overall portfolio volatility.
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