First Savings Valuation
| FSFG Stock | USD 33.98 1.08 3.28% |
At this time, the firm appears to be undervalued. First Savings Financial shows a prevailing Real Value of $35.95 per share. The current price of the firm is $33.98. Our model computes the value of First Savings Financial from reviewing the firm fundamentals such as Profit Margin of 0.28 %, shares outstanding of 7.02 M, and Current Valuation of 670.55 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Savings' valuation include:
Price Book 1.232 | Enterprise Value | Price Sales 2.8303 | Trailing PE 10.2349 | Enterprise Value Revenue 8.3474 |
Undervalued
Today
Please note that First Savings' price fluctuation is very steady at this time. Calculation of the real value of First Savings Financial is based on 3 months time horizon. Increasing First Savings' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the First stock is determined by what a typical buyer is willing to pay for full or partial control of First Savings Financial. Since First Savings is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Savings' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 33.98 | Real 35.95 | Target 34.0 | Hype 34.06 | Naive 34.29 |
The real value of First Stock, also known as its intrinsic value, is the underlying worth of First Savings Financial Company, which is reflected in its stock price. It is based on First Savings' financial performance, growth prospects, management team, or industry conditions. The intrinsic value of First Savings' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of First Savings Financial helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Savings more accurately as focusing exclusively on First Savings' fundamentals will not take into account other important factors: When choosing an evaluation method for First Savings Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
First Savings Cash |
|
First Revenue by Product
First Savings Total Value Analysis
First Savings Financial is currently forecasted to have valuation of 670.55 M with market capitalization of 238.37 M, debt of 471.44 M, and cash on hands of 40.34 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Savings fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
670.55 M | 238.37 M | 471.44 M | 40.34 M |
First Savings Investor Information
About 22.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.23. 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. Based on the key indicators related to First Savings' liquidity, profitability, solvency, and operating efficiency, First Savings Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.13 | 0.17 |
|
| |||||
| Operating Income | 32.4 M | 30.9 M |
|
|
First Savings Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of First implies not a very effective usage of assets in February.First Savings Profitability Analysis
Based on First Savings' profitability indicators, First Savings Financial may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess First Savings' ability to earn profits and add value for shareholders.Net Income | First Reported 2006-09-30 | Previous Quarter 6.2 M | Current Value 5.3 M | Quarterly Volatility 3 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.58 | 0.52 |
|
| |||||
| Net Profit Margin | 0.096 | 0.14 |
|
| |||||
| Operating Profit Margin | 0.13 | 0.17 |
|
| |||||
| Pretax Profit Margin | 0.13 | 0.17 |
|
| |||||
| Return On Assets | 0.0059 | 0.0087 |
|
| |||||
| Return On Equity | 0.0576 | 0.11 |
|
|
For First Savings profitability analysis, we use financial ratios and fundamental drivers that measure the ability of First Savings Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well First Savings utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between First Savings's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of First Savings over time as well as its relative position and ranking within its peers.
First Savings Earnings per Share Projection vs Actual
The next projected EPS of First Savings is estimated to be 0.8275 with future projections ranging from a low of 0.8275 to a high of 0.8275. First Savings' most recent 12-month trailing earnings per share (EPS TTM) is at 3.32. Please be aware that the consensus of earnings estimates for First Savings Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.First Savings Earnings Estimation Breakdown
The calculation of First Savings' earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Savings is estimated to be 0.8275 with the future projection ranging from a low of 0.8275 to a high of 0.8275. Please be aware that this consensus of annual earnings estimates for First Savings Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.83 Lowest | Expected EPS | 0.83 Highest |
First Savings Earnings Projection Consensus
Suppose the current estimates of First Savings' value are higher than the current market price of the First Savings stock. In this case, investors may conclude that First Savings is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Savings' stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of September 2026 | Current EPS (TTM) | |
| 2 | 56.08% | 0.0 | 0.8275 | 3.32 |
First Savings Ownership Allocation
The market capitalization of First Savings Financial is $238.37 Million. First Savings Financial retains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.First Savings Profitability Analysis
The company reported the previous year's revenue of 146.33 M. Net Income was 23.16 M with profit before overhead, payroll, taxes, and interest of 84.22 M.First Savings Past Distributions to stockholders
| 31st of December 2025 | ||
| 30th of September 2025 | ||
| 30th of June 2025 | ||
| 31st of March 2025 | ||
| 31st of December 2024 | ||
| 30th of September 2024 | ||
| 28th of June 2024 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates First Savings' worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in First Savings and how it compares across the competition.
About First Savings Valuation
The stock valuation mechanism determines First Savings' current worth on a weekly basis. Our valuation model uses a comparative analysis of First Savings. We calculate exposure to First Savings's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Savings's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 96.3 M | 52.4 M | |
| Pretax Profit Margin | 0.17 | 0.13 | |
| Operating Profit Margin | 0.17 | 0.13 | |
| Net Profit Margin | 0.14 | 0.10 | |
| Gross Profit Margin | 0.52 | 0.58 |
First Savings Quarterly Retained Earnings |
|
A single share of First Savings represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Savings Dividends Analysis For Valuation
The First Savings' current Dividend Paid And Capex Coverage Ratio is estimated to increase to 14.21, while Dividends Paid is forecasted to increase to (3.7 M). . At this time, First Savings' Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -3.9 M | -3.7 M | |
| Dividend Yield | 0.02 | 0.01 | |
| Dividend Payout Ratio | 0.17 | 0.14 | |
| Dividend Paid And Capex Coverage Ratio | 13.53 | 14.21 |
There are various types of dividends First Savings can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Savings Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Savings by the value of the dividends paid out.
First Savings Growth Indicators
Investing in growth stocks can be very risky. If the company such as First Savings does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 7 M | |
| Quarterly Earnings Growth Y O Y | 0.418 |
First Savings Current Valuation Indicators
Valuation refers to the process of determining the present value of First Savings Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value First we look at many different elements of the entity such as First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Savings, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Savings' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Savings' worth.Complementary Tools for First Stock analysis
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.
| Performance Analysis Check effects of mean-variance optimization against your current asset allocation | |
| Pattern Recognition Use different Pattern Recognition models to time the market across multiple global exchanges | |
| Companies Directory Evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals | |
| Portfolio Analyzer Portfolio analysis module that provides access to portfolio diagnostics and optimization engine | |
| Aroon Oscillator Analyze current equity momentum using Aroon Oscillator and other momentum ratios | |
| Bollinger Bands Use Bollinger Bands indicator to analyze target price for a given investing horizon |