First Savings Valuation
| FSFG Stock | USD 26.12 0.08 0.31% |
At this time, the firm appears to be undervalued. First Savings Financial shows a prevailing Real Value of $31.18 per share. The current price of the firm is $26.12. Our model computes the value of First Savings Financial from reviewing the firm fundamentals such as Profit Margin of 0.26 %, current valuation of 516.93 M, and Shares Outstanding of 6.92 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Savings' valuation include:
Price Book 1.0117 | Enterprise Value | Price Sales 2.3858 | Trailing PE 9.3061 | Enterprise Value Revenue 2.3618 |
Undervalued
Today
Please note that First Savings' price fluctuation is very steady at this time. Calculation of the real value of First Savings Financial is based on 3 months time horizon. Increasing First Savings' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the First stock is determined by what a typical buyer is willing to pay for full or partial control of First Savings Financial. Since First Savings is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Savings' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 26.12 | Real 31.18 | Target 32.33 | Hype 26.16 | Naive 25.39 |
The real value of First Stock, also known as its intrinsic value, is the underlying worth of First Savings Financial Company, which is reflected in its stock price. It is based on First Savings' financial performance, growth prospects, management team, or industry conditions. The intrinsic value of First Savings' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of First Savings Financial helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Savings more accurately as focusing exclusively on First Savings' fundamentals will not take into account other important factors: When choosing an evaluation method for First Savings Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
First Savings Cash |
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First Valuation Trend
Comparing First Savings' enterprise value against its market capitalization is a good way to estimate the value of First Savings Financial uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
First Revenue by Product
First Savings Total Value Analysis
First Savings Financial is currently forecasted to have valuation of 516.93 M with market capitalization of 180.94 M, debt of 350.24 M, and cash on hands of 40.34 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Savings fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
516.93 M | 180.94 M | 350.24 M | 40.34 M |
First Savings Investor Information
About 20.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.01. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Savings Financial last dividend was issued on the 13th of June 2025. The entity had 3:1 split on the 16th of September 2021. Based on the key indicators related to First Savings' liquidity, profitability, solvency, and operating efficiency, First Savings Financial is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in August.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.13 | 0.0978 |
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| Operating Income | 11.9 M | 16.8 M |
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First Savings Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of First implies not a very effective usage of assets in July.First Savings Ownership Allocation
The market capitalization of First Savings Financial is $180.94 Million. 30% of First Savings Financial outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.First Savings Profitability Analysis
The company reported the previous year's revenue of 134.4 M. Net Income was 13.59 M with profit before overhead, payroll, taxes, and interest of 75.84 M.First Savings Past Distributions to stockholders
| 30th of June 2025 | ||
| 31st of March 2025 | ||
| 31st of December 2024 | ||
| 30th of September 2024 | ||
| 28th of June 2024 | ||
| 29th of December 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates First Savings' worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in First Savings and how it compares across the competition.
About First Savings Valuation
The stock valuation mechanism determines First Savings' current worth on a weekly basis. Our valuation model uses a comparative analysis of First Savings. We calculate exposure to First Savings's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Savings's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 77.5 M | 50.5 M | |
| Pretax Profit Margin | 0.10 | 0.13 | |
| Operating Profit Margin | 0.10 | 0.13 | |
| Net Profit Margin | 0.09 | 0.10 | |
| Gross Profit Margin | 0.45 | 0.58 |
First Savings Quarterly Retained Earnings |
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A single share of First Savings represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Savings Dividends Analysis For Valuation
The First Savings' current Dividend Paid And Capex Coverage Ratio is estimated to increase to 18.20, while Dividends Paid is forecasted to increase to (3.5 M). . At this time, First Savings' Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -3.6 M | -3.5 M | |
| Dividend Yield | 0.02 | 0.01 | |
| Dividend Payout Ratio | 0.27 | 0.14 | |
| Dividend Paid And Capex Coverage Ratio | 17.34 | 18.20 |
There are various types of dividends First Savings can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Savings Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Savings by the value of the dividends paid out.
First Savings Growth Indicators
Investing in growth stocks can be very risky. If the company such as First Savings does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 6.9 M | |
| Quarterly Earnings Growth Y O Y | 0.097 |
First Savings Current Valuation Indicators
Valuation refers to the process of determining the present value of First Savings Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value First we look at many different elements of the entity such as First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Savings, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Savings' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Savings' worth.Complementary Tools for First Stock analysis
When running First Savings' price analysis, check to measure First Savings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Savings is operating at the current time. Most of First Savings' value examination focuses on studying past and present price action to predict the probability of First Savings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Savings' price. Additionally, you may evaluate how the addition of First Savings to your portfolios can decrease your overall portfolio volatility.
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