First Savings Financial Group (FSFG) Stock Price, News & Analysis

Company Overview

First Savings Financial Group, Inc. (NASDAQ: FSFG) is a bank holding company headquartered in Jacksonville, Florida, that provides a wide range of banking and financial services through its wholly owned subsidiary, First Savings Bank. The company offers a full suite of deposit products including checking, savings and money market accounts, as well as certificates of deposit. Through an integrated online and mobile banking platform, First Savings Bank enables customers to conduct electronic transfers, pay bills and monitor account activity, all supported by a network of branch offices throughout northeast Florida and southeast Georgia.

Complementing its deposit services, First Savings Financial Group maintains a diversified lending portfolio designed to meet the needs of consumers and businesses. Commercial offerings include commercial real estate and construction loans, commercial and industrial financing, agricultural lending and Small Business Administration (SBA) loans. On the consumer side, the company provides residential mortgages, home equity lines of credit and personal installment loans. Treasury management solutions, including cash‐management services and remote deposit capture, serve the needs of small and mid‐sized businesses in its regional markets.

The holding company was formed in late 2018 as part of a strategic plan to combine two community banks—First Florida Integrity Bank and First Coastal Bank—under a unified banking platform. Following the merger of those entities, First Savings Bank rebranded and expanded its branch footprint, leveraging shared technology and risk management systems. This integration has enabled the company to streamline operations and offer a broader array of products, from mortgage origination to commercial lending, while maintaining the community‐bank focus on personalized service.

First Savings Financial Group’s leadership team is composed of seasoned banking professionals with deep roots in the regional markets it serves. George W. Alexander, President and Chief Executive Officer, guides the company’s growth strategy, supported by a leadership team responsible for lending, operations and compliance. With a commitment to community engagement and local economic development, the company seeks to foster long-term relationships with individual and business clients across Florida and Georgia.

Key Stats

• Today's Range: $25.81 to $26.29
• 50-Day Range: $23.52 to $27.92
• 52-Week Range: $18.48 to $30.94
• Volume: 15,992 shs
• Average Volume: 17,725 shs
• Market Capitalization: $180.31 million
• P/E Ratio: 9.27
• Dividend Yield: 2.46%
• Price Target: $32.33
• Consensus Rating: Buy

First Savings Financial Group Stock Analysis - MarketRank™

First Savings Financial Group scored higher than 87% of companies evaluated by MarketBeat, and ranked 175th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

First Savings Financial Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Savings Financial Group has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.12%

Earnings Growth

Earnings for First Savings Financial Group are expected to grow by 6.12% in the coming year, from $2.45 to $2.60 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Savings Financial Group is 9.27, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Savings Financial Group is 9.27, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

First Savings Financial Group has a P/B Ratio of 1.01. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.43% of the float of First Savings Financial Group has been sold short.

Short Interest Ratio / Days to Cover

First Savings Financial Group has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in First Savings Financial Group has recently increased by 425.28%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Savings Financial Group pays a meaningful dividend of 2.43%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Savings Financial Group has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of First Savings Financial Group is 22.78%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Savings Financial Group will have a dividend payout ratio of 24.62% next year. This indicates that First Savings Financial Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.50

Percentage of Shares Shorted

2.43% of the float of First Savings Financial Group has been sold short.

Short Interest Ratio / Days to Cover

First Savings Financial Group has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in First Savings Financial Group has recently increased by 425.28%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: N/A

News Sentiment

First Savings Financial Group has a news sentiment score of 1.34. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Savings Financial Group this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Savings Financial Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

16.06% of the stock of First Savings Financial Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 35.22% of the stock of First Savings Financial Group is held by institutions.

FSFG Stock Analysis - Frequently Asked Questions

How have FSFG shares performed this year?

First Savings Financial Group's stock was trading at $26.56 at the start of the year. Since then, FSFG stock has decreased by 1.9% and is now trading at $26.06.

How were First Savings Financial Group's earnings last quarter?

First Savings Financial Group, Inc. (NASDAQ:FSFG) posted its quarterly earnings data on Thursday, April, 24th. The bank reported $0.76 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.55 by $0.21. The bank earned $19.55 million during the quarter, compared to the consensus estimate of $15.55 million. First Savings Financial Group had a trailing twelve-month return on equity of 9.61% and a net margin of 13.68%.

When did First Savings Financial Group's stock split?

Shares of First Savings Financial Group split on Thursday, September 16th 2021.The 3-1 split was announced on Thursday, September 16th 2021. The newly issued shares were issued to shareholders after the market closes on Thursday, September 16th 2021. An investor that had 100 shares of stock prior to the split would have 300 shares after the split.

How do I buy shares of First Savings Financial Group?

Shares of FSFG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Savings Financial Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Savings Financial Group investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 6/30 Dividend: 6/13/2025
• Ex-Dividend for 6/30 Dividend: 6/13/2025
• Dividend Payable: 6/30/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FSFG
• CIK: 1435508
• Web: www.fsbbank.net
• Phone: (812) 283-0724
• Fax: 812-288-2558
• Employees: 470
• Year Founded: N/A

Price Target and Rating

• Average Price Target for First Savings Financial Group: $32.33
• High Price Target: $34.00
• Low Price Target: $31.00
• Potential Upside/Downside: +24.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.81
• Trailing P/E Ratio: 9.27
• Forward P/E Ratio: 10.64
• P/E Growth: N/A
• Net Income: $13.59 million
• Net Margins: 13.68%
• Pretax Margin: 15.13%
• Return on Equity: 9.61%
• Return on Assets: 0.70%

Debt

• Debt-to-Equity Ratio: 2.10
• Current Ratio: 1.10
• Quick Ratio: 1.07

Sales & Book Value

• Annual Sales: $134.52 million
• Price / Sales: 1.34
• Cash Flow: $1.89 per share
• Price / Cash Flow: 13.78
• Book Value: $25.73 per share
• Price / Book: 1.01

Miscellaneous

• Outstanding Shares: 6,920,000
• Free Float: 5,808,000
• Market Cap: $180.34 million
• Optionable: Not Optionable
• Beta: 0.39