Business Description
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First Savings Financial Group Inc
NAICS : 522110
SIC : 6021
ISIN : US33621E1091
Description
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 | |||||
Beneish M-Score | -2.53 | |||||
WACC vs 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 |