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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.26
FSFG's Cash to Debt is ranked higher than
56% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. FSFG: 0.26 )
FSFG' s 10-Year Cash to Debt Range
Min: 0.13   Max: 2.67
Current: 0.26

0.13
2.67
Equity to Asset 0.13
FSFG's Equity to Asset is ranked higher than
87% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FSFG: 0.13 )
FSFG' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.23
Current: 0.13

0.11
0.23
Interest Coverage 2.10
FSFG's Interest Coverage is ranked higher than
77% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FSFG: 2.10 )
FSFG' s 10-Year Interest Coverage Range
Min: 0.11   Max: 2.1
Current: 2.1

0.11
2.1
F-Score: 6
Z-Score: 0.25
WACC vs ROIC
3.40%
3.56%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 25.76
FSFG's Operating margin (%) is ranked higher than
68% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. FSFG: 25.76 )
FSFG' s 10-Year Operating margin (%) Range
Min: -6.44   Max: 27.67
Current: 25.76

-6.44
27.67
Net-margin (%) 19.27
FSFG's Net-margin (%) is ranked higher than
69% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. FSFG: 19.27 )
FSFG' s 10-Year Net-margin (%) Range
Min: -2.5   Max: 18.6
Current: 19.27

-2.5
18.6
ROE (%) 6.35
FSFG's ROE (%) is ranked higher than
65% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. FSFG: 6.35 )
FSFG' s 10-Year ROE (%) Range
Min: -0.64   Max: 6.37
Current: 6.35

-0.64
6.37
ROA (%) 0.78
FSFG's ROA (%) is ranked higher than
71% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FSFG: 0.78 )
FSFG' s 10-Year ROA (%) Range
Min: -0.09   Max: 0.78
Current: 0.78

-0.09
0.78
ROC (Joel Greenblatt) (%) 51.90
FSFG's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. FSFG: 51.90 )
FSFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -11.38   Max: 57.11
Current: 51.9

-11.38
57.11
Revenue Growth (3Y)(%) 6.40
FSFG's Revenue Growth (3Y)(%) is ranked higher than
84% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FSFG: 6.40 )
FSFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 37.7
Current: 6.4

0
37.7
EBITDA Growth (3Y)(%) 9.90
FSFG's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FSFG: 9.90 )
FSFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 322.7
Current: 9.9

0
322.7
EPS Growth (3Y)(%) 9.50
FSFG's EPS Growth (3Y)(%) is ranked higher than
75% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FSFG: 9.50 )
FSFG' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 469.8
Current: 9.5

0
469.8
» FSFG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 12.20
FSFG's P/E(ttm) is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. FSFG: 12.20 )
FSFG' s 10-Year P/E(ttm) Range
Min: 8.53   Max: 16.33
Current: 12.2

8.53
16.33
Forward P/E 8.34
FSFG's Forward P/E is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 8.34 )
N/A
PE(NRI) 12.20
FSFG's PE(NRI) is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. FSFG: 12.20 )
FSFG' s 10-Year PE(NRI) Range
Min: 8.52   Max: 540
Current: 12.2

8.52
540
P/B 0.70
FSFG's P/B is ranked higher than
91% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. FSFG: 0.70 )
FSFG' s 10-Year P/B Range
Min: 0.44   Max: 0.8
Current: 0.7

0.44
0.8
P/S 2.27
FSFG's P/S is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. FSFG: 2.27 )
FSFG' s 10-Year P/S Range
Min: 1.29   Max: 3.76
Current: 2.27

1.29
3.76
PFCF 7.20
FSFG's PFCF is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 7.20 )
FSFG' s 10-Year PFCF Range
Min: 3.52   Max: 21.83
Current: 7.2

3.52
21.83
POCF 7.01
FSFG's POCF is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. FSFG: 7.01 )
FSFG' s 10-Year POCF Range
Min: 3.02   Max: 19.69
Current: 7.01

3.02
19.69
EV-to-EBIT 17.26
FSFG's EV-to-EBIT is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. FSFG: 17.26 )
FSFG' s 10-Year EV-to-EBIT Range
Min: -323.8   Max: 32.8
Current: 17.26

-323.8
32.8
PEG 0.12
FSFG's PEG is ranked higher than
100% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 0.12 )
FSFG' s 10-Year PEG Range
Min: 0.45   Max: 0.76
Current: 0.12

0.45
0.76
Shiller P/E 16.38
FSFG's Shiller P/E is ranked higher than
87% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 16.38 )
FSFG' s 10-Year Shiller P/E Range
Min: 14.49   Max: 19.4
Current: 16.38

14.49
19.4
Days Sales Outstanding 31.78
FSFG's Days Sales Outstanding is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 31.78 )
FSFG' s 10-Year Days Sales Outstanding Range
Min: 31.62   Max: 77.97
Current: 31.78

31.62
77.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.53
FSFG's Dividend Yield is ranked lower than
69% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. FSFG: 1.53 )
FSFG' s 10-Year Dividend Yield Range
Min: 0.43   Max: 1.82
Current: 1.53

0.43
1.82
Dividend Payout 0.19
FSFG's Dividend Payout is ranked higher than
91% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. FSFG: 0.19 )
FSFG' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.23
Current: 0.19

0.17
0.23
Yield on cost (5-Year) 1.50
FSFG's Yield on cost (5-Year) is ranked lower than
71% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. FSFG: 1.50 )
FSFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.43   Max: 1.82
Current: 1.5

0.43
1.82
Share Buyback Rate -0.60
FSFG's Share Buyback Rate is ranked higher than
78% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FSFG: -0.60 )
FSFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.6
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.79
FSFG's Price/Tangible Book is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FSFG: 0.79 )
FSFG' s 10-Year Price/Tangible Book Range
Min: 0.47   Max: 0.76
Current: 0.79

0.47
0.76
Price/DCF (Projected) 0.40
FSFG's Price/DCF (Projected) is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 0.40 )
FSFG' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.48
Current: 0.4

0.3
0.48
Price/Median PS Value 1.23
FSFG's Price/Median PS Value is ranked higher than
70% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FSFG: 1.23 )
FSFG' s 10-Year Price/Median PS Value Range
Min: 0.69   Max: 2
Current: 1.23

0.69
2
Price/Peter Lynch Fair Value 0.75
FSFG's Price/Peter Lynch Fair Value is ranked higher than
96% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FSFG: 0.75 )
FSFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.44   Max: 0.74
Current: 0.75

0.44
0.74
Price/Graham Number 0.64
FSFG's Price/Graham Number is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FSFG: 0.64 )
FSFG' s 10-Year Price/Graham Number Range
Min: 0.49   Max: 4.73
Current: 0.64

0.49
4.73
Earnings Yield (Greenblatt) 5.80
FSFG's Earnings Yield (Greenblatt) is ranked higher than
64% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FSFG: 5.80 )
FSFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 10
Current: 5.8

3
10
Forward Rate of Return (Yacktman) 26.50
FSFG's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. FSFG: 26.50 )
FSFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6   Max: 34.7
Current: 26.5

6
34.7

Analyst Estimate

Sep15
EPS($) 2.94
EPS without NRI($) 2.94

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
First Savings Financial Group Inc is an Indiana corporation, was incorporated in May 2008 to serve as the holding Company for First Savings Bank, a federally-chartered savings bank. The Company's main business activity is the ownership of the outstanding common stock of First Savings Bank. First Savings Bank operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its main market area. It attract deposits from the general public and use those funds to originate primarily residential mortgage loans and, to a lesser but growing extent, commercial mortgage loans and commercial business loans. It also originates residential and commercial construction loans, multi-family loans, land and land development loans, and consumer loans. It conducts lending and deposit activities mainly with individuals and small businesses in its market area. The Company has legal authority to invest in different types of liquid assets, including U.S. Treasury obligations, securities of various government-sponsored agencies and of state and municipal governments, mortgage-backed securities, collateralized mortgage obligations and certificates of deposit of federally insured institutions. Deposits, borrowings and loan repayments are the major sources of its funds for lending and other investment purposes. It is subject to extensive regulation, supervision and examination by the Office of the Comptroller of the Currency, its chartering authority, and by the Federal Deposit Insurance Corporation, as insurer of its deposits. The Company is also subject to regulation and supervision by the Federal Reserve Bank of St. Louis.
» More Articles for FSFG

Headlines

Articles On GuruFocus.com
First Savings Financial Group Inc. (FSFG) CEO Larry W Myers buys 5,000 Shares Dec 14 2009 

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