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Price (delayed)
$29
Market cap
$199.63M
P/E Ratio
21.64
Dividend/share
$0.59
EPS
$1.34
Enterprise value
$630.87M
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
First Savings Financial Group's net income has increased by 24% QoQ but it has decreased by 11% YoY
First Savings Financial Group's EPS has increased by 24% from the previous quarter but it has decreased by 11% YoY
The stock's price to earnings (P/E) is 146% more than its 5-year quarterly average of 8.8 and 44% more than its last 4 quarters average of 15.0
The debt has increased by 30% from the previous quarter and by 20% YoY
Key stats
What are the main financial stats of FSFG
Market
Valuations
Earnings
Shares outstanding
6.88M
Market cap
$199.63M
Enterprise value
$630.87M
Price to earnings (P/E)
21.64
Price to book (P/B)
1.19
Price to sales (P/S)
2.78
EV/EBIT
67.77
EV/EBITDA
53.73
EV/Sales
8.86
Revenue
$71.2M
EBIT
$9.31M
EBITDA
$11.74M
Free cash flow
$108.04M
Per share
Balance sheet
Liquidity
EPS
$1.34
Free cash flow per share
$15.81
Book value per share
$24.41
Revenue per share
$10.42
TBVPS
$348.81
Total assets
$2.39B
Total liabilities
$2.23B
Debt
$474.16M
Equity
$168M
Working capital
N/A
Debt to equity
2.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
36.73
Margins
Efficiency
Dividend
EBITDA margin
16.5%
Gross margin
100%
Net margin
12.9%
Operating margin
13.1%
Return on assets
0.4%
Return on equity
5.7%
Return on invested capital
0.3%
Return on capital employed
N/A
Return on sales
13.1%
Dividend yield
2.03%
DPS
$0.59
Payout ratio
44%
FSFG stock price
How has the First Savings Financial Group stock price performed over time
Intraday
-0.38%
1 week
0.66%
1 month
18.76%
1 year
92.05%
YTD
72.62%
QTD
21.8%
Financial performance
How have First Savings Financial Group's revenue and profit performed over time
Revenue
$71.2M
Gross profit
$71.2M
Operating income
$9.31M
Net income
$9.17M
Gross margin
100%
Net margin
12.9%
The operating margin has increased by 34% since the previous quarter and by 4% year-on-year
The net margin has increased by 32% from the previous quarter and by 6% YoY
FSFG's operating income is up by 26% since the previous quarter but it is down by 12% year-on-year
First Savings Financial Group's net income has increased by 24% QoQ but it has decreased by 11% 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
21.64
P/B
1.19
P/S
2.78
EV/EBIT
67.77
EV/EBITDA
53.73
EV/Sales
8.86
The stock's price to earnings (P/E) is 146% more than its 5-year quarterly average of 8.8 and 44% more than its last 4 quarters average of 15.0
First Savings Financial Group's EPS has increased by 24% from the previous quarter but it has decreased by 11% YoY
The price to book (P/B) is 70% higher than the last 4 quarters average of 0.7 and 32% higher than the 5-year quarterly average of 0.9
The stock's price to sales (P/S) is 132% more than its 5-year quarterly average of 1.2 and 85% more than its last 4 quarters average of 1.5
The revenue has contracted by 16% YoY and by 6% from the previous quarter
Efficiency
How efficient is First Savings Financial Group business performance
First Savings Financial Group's ROS has increased by 34% from the previous quarter and by 4% YoY
The company's return on assets rose by 33% QoQ but it fell by 20% YoY
FSFG's return on invested capital is down by 25% year-on-year
FSFG's return on equity is up by 24% since the previous quarter but it is down by 11% year-on-year
Dividends
What is FSFG's dividend history
DPS
$0.59
Dividend yield
2.03%
Payout ratio
44%
Recent dividends
Special dividends are included in TTM DPS and yield
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
The total assets has increased by 6% YoY
The debt is 182% more than the equity
The debt has increased by 30% from the previous quarter and by 20% YoY
The debt to equity rose by 28% QoQ and by 18% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.