Is First Savings Stock a Good Investment?
First Savings Investment Advice | FSFG |
- Examine First Savings' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research First Savings' leadership team and their track record. Good management can help First Savings navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact First Savings' business and its evolving consumer preferences.
- Compare First Savings' performance and market position to its competitors. Analyze how First Savings is positioned in terms of product offerings, innovation, and market share.
- Check if First Savings pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about First Savings' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in First Savings Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if First Savings Financial is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Fair | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Tiny | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine First Savings Stock
Researching First Savings' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 20.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.18. 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 15th of September 2025. The entity had 3:1 split on the 16th of September 2021.
To determine if First Savings is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding First Savings' research are outlined below:
| First Savings has a strong financial position based on the latest SEC filings | |
| About 20.0% of the company shares are held by company insiders | |
| On 30th of September 2025 First Savings paid $ 0.16 per share dividend to its current shareholders | |
| Latest headline from globenewswire.com: HALPER SADEH LLC ENCOURAGES FSFG, AVDL, MBCN SHAREHOLDERS TO CONTACT THE FIRM TO DISCUSS THEIR RIGHTS |
First Savings uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in First Savings Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First Savings' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 5th of February 2024 Upcoming Quarterly Report | View | |
| 25th of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of October 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 30th of September 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact First Savings' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises First Savings' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2019-01-29 | 2018-12-31 | 0.36 | 0.41 | 0.05 | 13 | ||
2023-04-27 | 2023-03-31 | 0.6 | 0.54 | -0.06 | 10 | ||
2025-01-28 | 2024-12-31 | 0.69 | 0.62 | -0.07 | 10 | ||
2022-01-25 | 2021-12-31 | 0.67 | 0.6 | -0.07 | 10 | ||
2018-08-02 | 2018-06-30 | 0.43 | 0.5 | 0.07 | 16 | ||
2019-04-29 | 2019-03-31 | 0.42 | 0.5 | 0.08 | 19 | ||
2021-10-28 | 2021-09-30 | 0.59 | 0.68 | 0.09 | 15 | ||
2017-01-25 | 2016-12-31 | 0.24 | 0.33 | 0.09 | 37 |
First Savings Target Price Consensus
First target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. First Savings' target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 3 | Strong Buy |
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of First Savings Financial, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationFirst Savings Target Price Projection
First Savings' current and average target prices are 31.05 and 31.00, respectively. The current price of First Savings is the price at which First Savings Financial is currently trading. On the other hand, First Savings' target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
First Savings Market Quote on 27th of October 2025
Target Price
Analyst Consensus On First Savings Target Price
First Savings Analyst Ratings
First Savings' analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about First Savings stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of First Savings' financials, market performance, and future outlook by experienced professionals. First Savings' historical ratings below, therefore, can serve as a valuable tool for investors.Know First Savings' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as First Savings is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading First Savings Financial backward and forwards among themselves. First Savings' institutional investor refers to the entity that pools money to purchase First Savings' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | State Street Corp | 2025-06-30 | 59.3 K | Bridgeway Capital Management, Llc | 2025-06-30 | 53.6 K | Stilwell Value Llc | 2025-06-30 | 52.5 K | Connor Clark & Lunn Inv Mgmt Ltd | 2025-06-30 | 35.1 K | Empowered Funds, Llc | 2025-06-30 | 32.9 K | Millennium Management Llc | 2025-06-30 | 31.9 K | Citadel Advisors Llc | 2025-06-30 | 26.3 K | O'shaughnessy Asset Management Llc | 2025-06-30 | 24.4 K | Goldman Sachs Group Inc | 2025-06-30 | 20.1 K | Fj Capital Management Llc | 2025-06-30 | 282.9 K | Vanguard Group Inc | 2025-06-30 | 282.3 K |
First Savings' market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 216.65 M.Market Cap |
|
First Savings' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.03 | |
| Return On Assets | 0.00 | 0.01 | |
| Return On Equity | 0.07 | 0.06 |
Determining First Savings' profitability involves analyzing its financial statements and using various financial metrics to determine if First Savings is a good buy. For example, gross profit margin measures First Savings' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of First Savings' profitability and make more informed investment decisions.
Evaluate First Savings' management efficiency
At this time, First Savings' Return On Assets are most likely to slightly decrease in the upcoming years. At this time, First Savings' Other Assets are most likely to increase significantly in the upcoming years. The First Savings' current Total Current Assets is estimated to increase to about 377.6 M, while Intangible Assets are projected to decrease to roughly 3.4 M. First Savings' management efficiency ratios could be used to measure how well First Savings manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 23.34 | 24.51 | |
| Tangible Book Value Per Share | 21.63 | 22.71 | |
| Enterprise Value Over EBITDA | 31.17 | 29.61 | |
| Price Book Value Ratio | 0.83 | 0.66 | |
| Enterprise Value Multiple | 31.17 | 29.61 | |
| Price Fair Value | 0.83 | 0.66 | |
| Enterprise Value | 433.1 M | 454.7 M |
The strategic decisions made by First Savings management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Basic technical analysis of First Stock
As of the 27th of October, First Savings shows the Mean Deviation of 1.62, coefficient of variation of 875.15, and Downside Deviation of 1.67. First Savings Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm First Savings Financial variance, maximum drawdown, as well as the relationship between the Maximum Drawdown and semi variance to decide if First Savings Financial is priced favorably, providing market reflects its regular price of 31.05 per share. Given that First Savings has jensen alpha of 0.1966, we urge you to verify First Savings Financial's prevailing market performance to make sure the company can sustain itself at a future point.First Savings' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Savings insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Savings' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Savings insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
First Savings' Outstanding Corporate Bonds
First Savings issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Savings Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Savings Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand First Savings' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing First Savings' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0809 | |||
| Market Risk Adjusted Performance | 0.2171 | |||
| Mean Deviation | 1.62 | |||
| Semi Deviation | 1.33 | |||
| Downside Deviation | 1.67 | |||
| Coefficient Of Variation | 875.15 | |||
| Standard Deviation | 2.78 | |||
| Variance | 7.75 | |||
| Information Ratio | 0.0837 | |||
| Jensen Alpha | 0.1966 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.14 | |||
| Treynor Ratio | 0.2071 | |||
| Maximum Drawdown | 22.43 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 3.74 | |||
| Downside Variance | 2.77 | |||
| Semi Variance | 1.76 | |||
| Expected Short fall | (1.84) | |||
| Skewness | 3.63 | |||
| Kurtosis | 20.93 |
| Risk Adjusted Performance | 0.0809 | |||
| Market Risk Adjusted Performance | 0.2171 | |||
| Mean Deviation | 1.62 | |||
| Semi Deviation | 1.33 | |||
| Downside Deviation | 1.67 | |||
| Coefficient Of Variation | 875.15 | |||
| Standard Deviation | 2.78 | |||
| Variance | 7.75 | |||
| Information Ratio | 0.0837 | |||
| Jensen Alpha | 0.1966 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.14 | |||
| Treynor Ratio | 0.2071 | |||
| Maximum Drawdown | 22.43 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 3.74 | |||
| Downside Variance | 2.77 | |||
| Semi Variance | 1.76 | |||
| Expected Short fall | (1.84) | |||
| Skewness | 3.63 | |||
| Kurtosis | 20.93 |
Consider First Savings' intraday indicators
First Savings intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Savings stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
First Savings Corporate Filings
| 22nd of October 2025 Other Reports | ViewVerify | |
F4 | 15th of October 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 29th of August 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 13th of August 2025 Other Reports | ViewVerify |
First Stock media impact
There is far too much social signal, news, headlines, and media speculation about First Savings that are available to investors today. This information is accessible both publicly - through First Savings' media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of First-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of First Savings news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of First Savings relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to First Savings' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive First Savings alpha.
First Savings Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards First Savings can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
First Savings Financial Historical Investor Sentiment
Investor biases related to First Savings' public news can be used to forecast risks associated with an investment in First. The trend in average sentiment can be used to explain how an investor holding First can time the market purely based on public headlines and social activities around First Savings Financial. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
First Savings' market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for First Savings and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average First Savings news discussions. The higher the estimate score, the more favorable the investor's outlook on First Savings.
First Savings Corporate Management
| CPA CPA | CFO VP | Profile | |
| Lenfield Basham | Executive Officer | Profile | |
| Jacqueline CPA | Chief Officer | Profile | |
| Jacqueline Journell | Chief Officer | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Savings Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price. You can also try the Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Savings. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Savings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.476 | Dividend Share 0.62 | Earnings Share 3.1 | Revenue Per Share | Quarterly Revenue Growth 0.226 |
The market value of First Savings Financial is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Savings' value that differs from its market value or its book value, called intrinsic value, which is First Savings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Savings' market value can be influenced by many factors that don't directly affect First Savings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between First Savings' value and its price, as these two are different measures arrived at by various means. Investors typically determine if First Savings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Savings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.