US · FSFG
First Savings Financial Group, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Jeffersonville, IN 47130
- Website
- fsbbank.net
Price · as of 2024-09-30
—
Market cap 210.64M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $29.23 | — |
| Intrinsic Value(DCF) | $22.88 | — |
| Graham-Dodd Method(GD) | $25.54 | — |
| Graham Formula(GF) | $24.94 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $3.68 | $997.65 | $5,244.34 | $8.83 | $42.31 |
| 2011 | $4.53 | $51.71 | $164.89 | $14.11 | $4.60 |
| 2012 | $4.96 | $158.80 | $27.09 | $14.29 | $6.25 |
| 2013 | $6.10 | $40.54 | $19.21 | $11.01 | $10.56 |
| 2014 | $6.66 | $87.25 | $20.64 | $14.10 | $9.79 |
| 2015 | $9.81 | $241.98 | $15.11 | $15.99 | $12.97 |
| 2016 | $11.76 | $3,456.86 | $12.62 | $15.24 | $5.39 |
| 2017 | $16.02 | $271.85 | $14.95 | $17.02 | $51.78 |
| 2018 | $16.27 | $1,741.64 | $46.39 | $18.21 | $59.88 |
| 2019 | $19.37 | $697.23 | $2,317.34 | $24.47 | $177.52 |
| 2020 | $18.71 | $71.92 | $53,153.06 | $40.74 | $491.07 |
| 2021 | $24.14 | $367.49 | $10,434.16 | $41.23 | $22.68 |
| 2022 | $20.05 | $33.71 | $29.04 | $21.41 | $0.00 |
| 2023 | $14.46 | $126.17 | $15.47 | $18.27 | $15.41 |
| 2024 | $29.38 | $29.23 | $18.66 | $25.54 | $24.94 |
AI valuation
Our deep-learning model estimates First Savings Financial Group, Inc.'s (FSFG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $29.23
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$22.88
— upside
Graham-Dodd
$25.54
— upside
Graham Formula
$24.94
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FSFG | First Savings Financial G… | $30.19 | 210.64M | -3% | -24% | -15% | -17% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| AVBH | Avidbank Holdings, Inc. | $25.99 | 205.77M | +452% | +6,516% | +105% | -45% | -11.16 | 0.78 | 2.94 | -6.67 | -88.00 | 0.78 | 34.79% | -34.77% | 32.32% | -8.37% | -2.98% | -0.80% | 0.08 | -0.61 | — | — | -0.41 | 1268.00% | -380.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 91.95% | -8.89 | — | 3.09 | 0.12 |
| BPRN | Princeton Bancorp, Inc. | $32.97 | 222.48M | +430% | -29% | +55% | +15% | 12.49 | 0.86 | 1.67 | -1.86 | 16.69 | 0.92 | 55.83% | 17.04% | 13.39% | 6.99% | 72.14% | 0.81% | 0.00 | 0.43 | 1.93 | 1.93 | -5.73 | 7484.00% | 602.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 53.77% | -1.86 | — | -0.32 | 0.79 |
| CFFI | C&F Financial Corporation | $70.68 | 228.88M | +373% | +88% | +73% | +128% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| FCCO | First Community Corporati… | $26.91 | 206.62M | +71% | -4% | -35% | +123% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FRAF | Franklin Financial Servic… | $46.25 | 207.05M | +772% | +1,121% | +31% | +153% | 11.22 | 1.43 | 1.78 | 9.07 | 12.63 | 1.43 | 64.34% | 19.67% | 15.89% | 13.65% | 388.83% | 1.93% | 0.00 | 0.59 | — | — | 0.00 | 8884.00% | 1732.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 7.91% | 9.07 | — | 1.78 | — |
| FUNC | First United Corporation | $35.69 | 231.5M | +26% | -22% | -18% | +115% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $12.33 | 222.85M | +468% | +25% | +63% | +69% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| HWBK | Hawthorn Bancshares, Inc. | $30.99 | 214.02M | +760% | +41% | +31% | +12% | 9.95 | 1.44 | 2.11 | 8.14 | 31.67 | 1.44 | 71.33% | 25.96% | 21.23% | 15.14% | 26.97% | 2.61% | 0.00 | 0.92 | — | — | 0.00 | 3142.00% | 220.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 34.07% | 8.14 | — | 2.11 | — |
| LCNB | LCNB Corp. | $15.63 | 221.57M | +460% | -6% | +36% | -25% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
| VABK | Virginia National Banksha… | $40.03 | 215.84M | +455% | -22% | +26% | -21% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
About First Savings Financial Group, Inc.
First Savings Financial Group, Inc. operates as the bank holding company for First Savings Bank that provides various financial services to consumers and businesses in southern Indiana. The company operates through three segments: Core Banking, SBA Lending, and Mortgage Banking. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate, commercial real estate, construction, land and land development, multi-family real estate, and commercial business loans, as well as consumer loans, such as automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in the mortgage banking; investment activities; and the provision of property and casualty insurance products, and reinsurance to other third-party insurance captives. The company operates 15 branches. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana.
- CEO
- Larry W. Myers
- Employees
- 250
- Beta
- 0.46
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($22.88 ÷ —) − 1 = — (DCF, example).