Switch to:

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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.32
FSFG's Cash-to-Debt is ranked lower than
82% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FSFG: 0.32 )
Ranked among companies with meaningful Cash-to-Debt only.
FSFG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.26 Max: N/A
Current: 0.32
Equity-to-Asset 0.10
FSFG's Equity-to-Asset is ranked lower than
56% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FSFG: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
FSFG' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.23
Current: 0.1
0.1
0.23
Interest Coverage 1.77
FSFG's Interest Coverage is ranked higher than
51% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. FSFG: 1.77 )
Ranked among companies with meaningful Interest Coverage only.
FSFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 1.29 Max: 2.2
Current: 1.77
0.2
2.2
Beneish M-Score: -2.33
WACC vs ROIC
3.74%
5.79%
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 : 5/10

vs
industry
vs
history
Operating Margin % 23.68
FSFG's Operating Margin % is ranked lower than
69% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. FSFG: 23.68 )
Ranked among companies with meaningful Operating Margin % only.
FSFG' s Operating Margin % Range Over the Past 10 Years
Min: -6.44  Med: 21.36 Max: 27.59
Current: 23.68
-6.44
27.59
Net Margin % 30.28
FSFG's Net Margin % is ranked higher than
71% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. FSFG: 30.28 )
Ranked among companies with meaningful Net Margin % only.
FSFG' s Net Margin % Range Over the Past 10 Years
Min: -2.5  Med: 17.04 Max: 30.28
Current: 30.28
-2.5
30.28
ROE % 11.26
FSFG's ROE % is ranked higher than
69% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. FSFG: 11.26 )
Ranked among companies with meaningful ROE % only.
FSFG' s ROE % Range Over the Past 10 Years
Min: -0.64  Med: 5.32 Max: 11.26
Current: 11.26
-0.64
11.26
ROA % 1.19
FSFG's ROA % is ranked higher than
70% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FSFG: 1.19 )
Ranked among companies with meaningful ROA % only.
FSFG' s ROA % Range Over the Past 10 Years
Min: -0.09  Med: 0.73 Max: 1.19
Current: 1.19
-0.09
1.19
3-Year Revenue Growth Rate 0.90
FSFG's 3-Year Revenue Growth Rate is ranked lower than
68% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. FSFG: 0.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FSFG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.9 Max: 53.3
Current: 0.9
0
53.3
3-Year EBITDA Growth Rate -3.60
FSFG's 3-Year EBITDA Growth Rate is ranked lower than
78% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FSFG: -3.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FSFG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -1.8 Max: 342
Current: -3.6
0
342
3-Year EPS without NRI Growth Rate 19.70
FSFG's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FSFG: 19.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FSFG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 469.8
Current: 19.7
0
469.8
GuruFocus has detected 8 Warning Signs with First Savings Financial Group Inc $FSFG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FSFG's 30-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:FDBC, NAS:SAL, NAS:CBAN, NAS:OVLY, OTCPK:KTYB, NAS:LARK, OTCPK:CABC, OTCPK:MNAT, OTCPK:BKGMF, OTCPK:EMYB, NAS:MPB, NAS:CIZN, OTCPK:EFSI, OTCPK:HLAN, OTCPK:CPKF, NAS:HWBK, NAS:ACFC, NAS:CFBI, NAS:CBFV, OTCPK:CHBH » details
Headquarter Location:USA
First Savings Financial Group Inc is a saving and loan holding company. The Company through its subsidiary offers traditional financial services to consumers and businesses in its main market area.

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 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 sources of its funds for lending and other investment purposes. It is subject to 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.

Ratios

vs
industry
vs
history
PE Ratio 12.59
FSFG's PE Ratio is ranked higher than
61% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FSFG: 12.59 )
Ranked among companies with meaningful PE Ratio only.
FSFG' s PE Ratio Range Over the Past 10 Years
Min: 8.52  Med: 11.3 Max: 16.42
Current: 12.59
8.52
16.42
PE Ratio without NRI 12.59
FSFG's PE Ratio without NRI is ranked higher than
61% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FSFG: 12.59 )
Ranked among companies with meaningful PE Ratio without NRI only.
FSFG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.52  Med: 11.3 Max: 16.42
Current: 12.59
8.52
16.42
Price-to-Owner-Earnings 23.35
FSFG's Price-to-Owner-Earnings is ranked lower than
81% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. FSFG: 23.35 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FSFG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1  Med: 8.65 Max: 39.13
Current: 23.35
1
39.13
PB Ratio 1.33
FSFG's PB Ratio is ranked lower than
57% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FSFG: 1.33 )
Ranked among companies with meaningful PB Ratio only.
FSFG' s PB Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.63 Max: 1.33
Current: 1.33
0.44
1.33
PS Ratio 3.82
FSFG's PS Ratio is ranked lower than
57% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. FSFG: 3.82 )
Ranked among companies with meaningful PS Ratio only.
FSFG' s PS Ratio Range Over the Past 10 Years
Min: 1.29  Med: 1.91 Max: 3.86
Current: 3.82
1.29
3.86
Price-to-Free-Cash-Flow 69.89
FSFG's Price-to-Free-Cash-Flow is ranked lower than
96% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. FSFG: 69.89 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FSFG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.52  Med: 8.22 Max: 69.89
Current: 69.89
3.52
69.89
Price-to-Operating-Cash-Flow 58.95
FSFG's Price-to-Operating-Cash-Flow is ranked lower than
96% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. FSFG: 58.95 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FSFG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.02  Med: 6.87 Max: 58.96
Current: 58.95
3.02
58.96
EV-to-EBIT 25.90
FSFG's EV-to-EBIT is ranked lower than
82% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. FSFG: 25.90 )
Ranked among companies with meaningful EV-to-EBIT only.
FSFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -323.8  Med: 18.6 Max: 42.9
Current: 25.9
-323.8
42.9
EV-to-EBITDA 22.05
FSFG's EV-to-EBITDA is ranked lower than
80% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. FSFG: 22.05 )
Ranked among companies with meaningful EV-to-EBITDA only.
FSFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -304.9  Med: 15.8 Max: 864.8
Current: 22.05
-304.9
864.8
PEG Ratio 3.15
FSFG's PEG Ratio is ranked lower than
76% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. FSFG: 3.15 )
Ranked among companies with meaningful PEG Ratio only.
FSFG' s PEG Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.91 Max: 3.15
Current: 3.15
0.14
3.15
Shiller PE Ratio 24.26
FSFG's Shiller PE Ratio is ranked lower than
59% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. FSFG: 24.26 )
Ranked among companies with meaningful Shiller PE Ratio only.
FSFG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 17.71  Med: 21.33 Max: 24.3
Current: 24.26
17.71
24.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.04
FSFG's Dividend Yield % is ranked lower than
87% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FSFG: 1.04 )
Ranked among companies with meaningful Dividend Yield % only.
FSFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.43  Med: 1.43 Max: 1.82
Current: 1.04
0.43
1.82
Dividend Payout Ratio 0.13
FSFG's Dividend Payout Ratio is ranked higher than
89% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FSFG: 0.13 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FSFG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.16 Max: 0.18
Current: 0.13
0.13
0.18
3-Year Dividend Growth Rate 19.30
FSFG's 3-Year Dividend Growth Rate is ranked higher than
78% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FSFG: 19.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FSFG' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 19.3
Current: 19.3
0
19.3
Forward Dividend Yield % 1.10
FSFG's Forward Dividend Yield % is ranked lower than
89% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FSFG: 1.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.04
FSFG's 5-Year Yield-on-Cost % is ranked lower than
91% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FSFG: 1.04 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FSFG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.43  Med: 1.43 Max: 1.82
Current: 1.04
0.43
1.82
3-Year Average Share Buyback Ratio 1.50
FSFG's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FSFG: 1.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FSFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 1.5  Med: 2.9 Max: 0
Current: 1.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.48
FSFG's Price-to-Tangible-Book is ranked lower than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FSFG: 1.48 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FSFG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.47  Med: 0.7 Max: 1.48
Current: 1.48
0.47
1.48
Price-to-Intrinsic-Value-Projected-FCF 1.06
FSFG's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
74% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FSFG: 1.06 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FSFG' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.45 Max: 1.06
Current: 1.06
0.16
1.06
Price-to-Median-PS-Value 2.00
FSFG's Price-to-Median-PS-Value is ranked lower than
92% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FSFG: 2.00 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FSFG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.67  Med: 0.99 Max: 2
Current: 2
0.67
2
Price-to-Graham-Number 0.91
FSFG's Price-to-Graham-Number is ranked higher than
54% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FSFG: 0.91 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FSFG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 0.6 Max: 0.91
Current: 0.91
0.48
0.91
Earnings Yield (Greenblatt) % 3.86
FSFG's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. FSFG: 3.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FSFG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -4.2  Med: 4.8 Max: 10
Current: 3.86
-4.2
10
Forward Rate of Return (Yacktman) % 7.92
FSFG's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. FSFG: 7.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FSFG' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6  Med: 10 Max: 85.2
Current: 7.92
6
85.2

More Statistics

Revenue (TTM) (Mil) $31.59
EPS (TTM) $ 4.13
Beta0.22
Short Percentage of Float0.06%
52-Week Range $34.50 - 52.23
Shares Outstanding (Mil)2.24
» More Articles for FSFG

Headlines

Articles On GuruFocus.com
A Unique 7-Pronged Approach to Screening Stocks - November Nov 17 2015 
A Unique 7-Pronged Approach to Screening Stocks - October Oct 19 2015 
First Savings Financial Group Inc. (FSFG) CEO Larry W Myers buys 5,000 Shares Dec 14 2009 

More From Other Websites
First Savings Financial Group, Inc. :FSFG-US: Earnings Analysis: Q2, 2017 By the Numbers : June 8,... Jun 08 2017
First Savings Financial Group, Inc. : FSFG-US: Dividend Analysis : June 02nd, 2017 (record date) :... Jun 02 2017
First Savings Financial Group, Inc. Announces Quarterly Cash Dividend May 17 2017
First Savings Financial posts 2Q profit Apr 27 2017
First Savings Financial Group, Inc. Reports 2017 Second Quarter Financial Results Apr 27 2017
First Savings Financial Group, Inc. : FSFG-US: Dividend Analysis : March 03rd, 2017 (record date) :... Mar 01 2017
First Savings Financial Group, Inc. :FSFG-US: Earnings Analysis: Q1, 2017 By the Numbers : January... Jan 31 2017
ETFs with exposure to First Savings Financial Group, Inc. : January 19, 2017 Jan 19 2017
First Savings Financial Group, Inc. :FSFG-US: Earnings Analysis: 2016 By the Numbers : January 12,... Jan 12 2017
ETFs with exposure to First Savings Financial Group, Inc. : December 2, 2016 Dec 02 2016
First Savings Financial Group, Inc. :FSFG-US: Earnings Analysis: Q4, 2016 By the Numbers : November... Nov 29 2016
First Savings Financial Group, Inc. : FSFG-US: Dividend Analysis : September 22nd, 2016 (record... Oct 21 2016
First Savings Financial Group, Inc. :FSFG-US: Earnings Analysis: Q3, 2016 By the Numbers : August 4,... Aug 04 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}