First Savings Financial Group Inc provides various banking services to individuals and business customers in southern Indiana. The bank accepts deposits from the general public & uses those funds, along with other borrowings, mainly to originate a residential mortgage, commercial mortgage, construction, commercial business, & consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other securities. It conducts lending and deposit activities mainly with individuals and small businesses in its market area. The bank operates in three segments: core banking, which accounts for majority revenue; SBA lending; and mortgage banking.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.09
Equity-to-Asset	0.07
Debt-to-Equity	2.82
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.53	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-20.7
	3-Year EPS without NRI Growth Rate	-36.8
	3-Year Book Growth Rate	1.3
	Future 3-5Y EPS without NRI Growth Rate	31.18
	Future 3-5Y Total Revenue Growth Rate	-8.46

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.06
	9-Day RSI	59.93
	14-Day RSI	63.85
	6-1 Month Momentum %	7.28
	12-1 Month Momentum %	12.5

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.85
	Dividend Payout Ratio	0.51
	3-Year Dividend Growth Rate	35.1
	Forward Dividend Yield %	2.96
	5-Year Yield-on-Cost %	9.17
	3-Year Average Share Buyback Ratio	2.7
	Shareholder Yield %	17.13

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	12.5
	FCF Margin %	146.18
	ROE %	5.64
	ROA %	0.39
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	17.41
	Forward PE Ratio	8.53
	PE Ratio without NRI	20.32
	Shiller PE Ratio	9.3
	PEG Ratio	2.14
	PS Ratio	2.17
	PB Ratio	0.96
	Price-to-Tangible-Book	1.03
	Price-to-Free-Cash-Flow	1.48
	Price-to-Operating-Cash-Flow	1.47
	EV-to-Revenue	8.08
	EV-to-FCF	5.48
	Price-to-Projected-FCF	0.38
	Price-to-DCF (Earnings Based)	0.74
	Price-to-DCF (FCF Based)	0.1
	Price-to-Median-PS-Value	1.1
	Price-to-Peter-Lynch-Fair-Value	2.74
	Price-to-Graham-Number	0.96
	FCF Yield %	67.07
	Forward Rate of Return (Yacktman) %	29.85

GF Value: €9.88

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