FSFG First Savings Financial Group Inc

Price (delayed)

$16.55

Market cap

$113.92M

P/E Ratio

15.32

Dividend/share

$0.57

EPS

$1.08

Enterprise value

$414.85M

The Bank operates fifteen offices in the Indiana communities of Clarksville, Jeffersonville, Charlestown, Sellersburg, New Albany, Georgetown, Corydon, Lanesville, Elizabeth, English, Marengo, Salem, Odon and Montgomery.

Highlights
The debt has decreased by 26% YoY and by 10% from the previous quarter
First Savings Financial Group's EPS has decreased by 30% YoY but it has increased by 20% from the previous quarter
First Savings Financial Group's net income has decreased by 30% YoY but it has increased by 19% QoQ
The stock's price to earnings (P/E) is 76% more than its 5-year quarterly average of 8.7 and 11% more than its last 4 quarters average of 13.8
The revenue has contracted by 14% YoY and by 6% from the previous quarter

Key stats

What are the main financial stats of FSFG
Market
Shares outstanding
6.88M
Market cap
$113.92M
Enterprise value
$414.85M
Valuations
Price to earnings (P/E)
15.32
Price to book (P/B)
0.69
Price to sales (P/S)
1.49
EV/EBIT
56
EV/EBITDA
41.92
EV/Sales
5.47
Earnings
Revenue
$75.84M
EBIT
$7.41M
EBITDA
$9.9M
Free cash flow
$100.62M
Per share
EPS
$1.08
Free cash flow per share
$14.73
Book value per share
$23.98
Revenue per share
$11.1
TBVPS
$344.64
Balance sheet
Total assets
$2.36B
Total liabilities
$2.2B
Debt
$364.39M
Equity
$165.06M
Working capital
N/A
Liquidity
Debt to equity
2.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
30.41
Margins
EBITDA margin
13%
Gross margin
100%
Net margin
9.8%
Operating margin
9.8%
Efficiency
Return on assets
0.3%
Return on equity
4.6%
Return on invested capital
0.3%
Return on capital employed
N/A
Return on sales
9.8%
Dividend
Dividend yield
3.44%
DPS
$0.57
Payout ratio
52.8%

FSFG stock price

How has the First Savings Financial Group stock price performed over time
Intraday
1.78%
1 week
1.41%
1 month
8.81%
1 year
31.77%
YTD
-1.49%
QTD
-1.19%

Financial performance

How have First Savings Financial Group's revenue and profit performed over time
Revenue
$75.84M
Gross profit
$75.84M
Operating income
$7.41M
Net income
$7.42M
Gross margin
100%
Net margin
9.8%
The operating margin has increased by 38% since the previous quarter but it has declined by 18% year-on-year
FSFG's operating income is up by 31% since the previous quarter but it is down by 30% year-on-year
First Savings Financial Group's net income has decreased by 30% YoY but it has increased by 19% QoQ
The net margin has increased by 27% from the previous quarter but it has decreased by 18% YoY

Growth

What is First Savings Financial Group's growth rate over time

Valuation

What is First Savings Financial Group stock price valuation
P/E
15.32
P/B
0.69
P/S
1.49
EV/EBIT
56
EV/EBITDA
41.92
EV/Sales
5.47
The stock's price to earnings (P/E) is 76% more than its 5-year quarterly average of 8.7 and 11% more than its last 4 quarters average of 13.8
First Savings Financial Group's EPS has decreased by 30% YoY but it has increased by 20% from the previous quarter
The price to book (P/B) is 23% lower than the 5-year quarterly average of 0.9
The stock's price to sales (P/S) is 24% more than its 5-year quarterly average of 1.2 and 15% more than its last 4 quarters average of 1.3
The revenue has contracted by 14% YoY and by 6% from the previous quarter

Efficiency

How efficient is First Savings Financial Group business performance
FSFG's return on invested capital has surged by 50% since the previous quarter but it is down by 25% year-on-year
The company's return on assets fell by 40% YoY
First Savings Financial Group's ROS has increased by 38% from the previous quarter but it has decreased by 18% YoY
FSFG's return on equity is down by 30% year-on-year but it is up by 21% since the previous quarter

Dividends

What is FSFG's dividend history
DPS
$0.57
Dividend yield
3.44%
Payout ratio
52.8%
Recent dividends

Financial health

How did First Savings Financial Group financials performed over time
The total assets is 8% more than the total liabilities
The total liabilities has increased by 6% year-on-year and by 2.6% since the previous quarter
The total assets has increased by 6% YoY and by 2.5% from the previous quarter
The debt is 121% more than the equity
The debt has decreased by 26% YoY and by 10% from the previous quarter
The debt to equity fell by 25% YoY and by 11% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.