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First Savings Financial Group FSFG
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Quarterly report 2025-Q3
added 05-23-2026

First Savings Financial Group Financial Ratios 2025-2008 | FSFG

Brief overview of First Savings Financial Group's market valuation

The review covers five available annual periods spanning 2020 to 2024.

The current valuation set is P/E 14.29x (median 10.09x), P/B 1.1x (median 1.02x), P/CF 2.13x (median 2.13x). On average, multiples differ from their five-year medians by only +7%. Valuation is near its familiar historical range.

At the current P/E, inverse earnings yield is 7%, a useful bridge between price and business earnings.

Capital efficiency is characterized by ROE 12%, ROA 1%. Profitability remains positive and sufficient for normal operations without indicating exceptional efficiency.

For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.

Overall assessment

First Savings Financial Group's market valuation is near its own historical norm, while quality ratios provide no extreme signal.

Annual Financial Ratios First Savings Financial Group

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

P/E

 - 14.3 13.5 10.1 6.3 4.5 13.4 13.4 13.1 10.4 10.9 9.8 10.3 9.6 8.7 - - -

P/S

 - 36.8 19.6 28.5 41.2 36.4 0.6 3.0 3.2 2.9 2.4 1.8 1.8 1.7 1.5 - - -

EPS

 0.8 0.9 0.1 0.4 0.6 1.4 0.5 4.8 4.2 3.6 3.1 2.5 2.1 1.9 1.8 0.5 - -

EV (Enterprise Value)

 2.17 B 2.42 B 2.22 B 2.06 B 1.7 B 1.72 B 1.11 B 1.04 B 886 M 763 M 704 M 659 M 606 M 558 M 468 M 442 M -10.4 M -

EBITDA per Share

 0.33 0.35 0.37 0.35 0.32 0.26 0.73 - - - - - - - - 0.52 - -

EV/EBITDA

 968.9 1018.7 869.9 839.8 735.4 8.7 - - - - - - - - - 377.1 - -

PEG

 - -2.26 - - - 0.04 0.2 0.9 0.74 0.64 0.44 0.56 1.03 2.18 0.16 - - -

P/B

 - 1.1 0.7 1.0 1.0 0.9 0.4 1.5 1.3 1.0 0.8 0.6 0.6 0.5 0.5 - - -

P/CF

 - 2.1 3.4 1.0 1.6 -1.1 -1.1 9.0 -46.3 9.3 -120.5 6.8 6.8 11.8 3.7 - - -

ROE %

 11.97 7.67 5.41 10.15 16.39 21.17 2.97 10.88 10.00 9.14 7.15 6.19 5.71 5.17 5.24 1.97 - -

ROA %

 0.97 0.55 0.36 0.73 1.72 1.89 0.29 1.05 1.05 0.99 0.90 0.76 0.71 0.67 0.75 0.21 - -

Current Ratio

 1.1 1.1 1.1 1.1 1.1 1.1 1.1 0.0 - 0.0 0.0 0.0 0.0 0.1 0.1 1.1 - -

DSO

 - - - - - - - 31.8 32.5 36.0 32.1 31.9 31.9 35.6 34.0 - - -

All numbers in USD currency

Quarterly Financial Ratios First Savings Financial Group

2025-Q3 2025-Q2 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

 0.9 0.8 0.91 - 0.6 0.91 0.13 - 0.34 0.54 0.42 1.97 0.37 0.99 0.6 3.48 0.61 1.48 1.4 2.13 2.17 4.19 0.49 2.28 1.88 1.47 1.28 0.76 0.63 1.28 0.43 1.05 1.1 1.53 1.06 1.27 1.01 1.06 0.55 0.83 1 0.55 0.55 0.63 0.68 0.55 0.46 0.61 0.51 0.46 0.45 0.5 0.57 0.45 0.4 0.34 0.53 0.4

EBITDA per Share

 0.09 0.08 0.09 - 0.09 0.09 0.09 - 0.09 0.08 0.09 0.27 0.09 0.09 0.09 0.24 0.08 0.08 0.08 0.54 0.22 0.23 0.17 0.53 0.15 0.17 0.21 0.16 0.16 0.21 0.13 0.39 0.13 0.13 0.13 0.5 0.33 0.13 0.17 0.51 0.34 0.17 0.17 0.51 0.34 0.17 0.16 0.4 0.25 0.16 0.12 0.34 0.23 - - 0.32 0.2 0.12

ROE %

 12.38 12.57 10.06 6.52 7.93 7.73 5.99 5.43 14.65 14.81 16.48 17.03 21.51 22.37 24.52 28.17 26.03 33.40 33.65 30.44 23.56 17.39 13.93 13.99 12.29 12.39 12.51 13.33 12.86 11.77 12.46 11.54 12.27 12.22 11.26 9.80 8.50 8.25 6.85 6.90 6.53 5.88 5.93 5.83 5.92 5.64 5.55 5.52 5.23 5.37 5.34 5.30 5.02 4.95 4.92 1.09 1.47 1.18

ROA %

 0.92 0.92 0.73 0.47 0.57 0.57 0.44 0.40 1.07 1.10 1.32 1.43 2.20 2.32 2.53 2.82 2.42 3.04 2.96 2.70 2.13 1.62 1.35 1.36 1.18 1.18 1.19 1.29 1.27 1.19 1.28 1.19 1.28 1.28 1.20 1.08 0.97 0.99 0.87 0.87 0.82 0.73 0.73 0.71 0.73 0.70 0.69 0.69 0.66 0.69 0.69 0.70 0.68 0.69 0.70 0.16 0.21 0.17

Current Ratio

 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.2 1.1 1.1 1.1 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.2 1.1 1.1 1.1 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.2 1.2 1.2 1.2

DSO

 - - - - - - - - - - - - - - - - - - - - - - - 76.7 217.6 - 184.9 389.0 370.8 339.3 380.6 - - - - - - - - - - - - - - - - - - - - - - - - - - -

Operating Cycle

 - - - - - - - - - - - - - - - - - - - - - - - 76.7 217.6 - 184.9 389.0 370.8 339.3 380.6 - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cash Conversion Cycle

 - - - - - - - - - - - - - - - - - - - - - - - 76.7 217.6 - 184.9 389.0 370.8 339.3 380.6 - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company First Savings Financial Group, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
Ameris Bancorp Ameris Bancorp
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CAC
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Carter Bankshares Carter Bankshares
CARE
 		$ 29.93 0.1 % $ 672 M usaUSA
Meta Financial Group Meta Financial Group
CASH
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Bridgewater Bancshares Bridgewater Bancshares
BWB
 		$ 20.48 0.05 % $ 564 M usaUSA
Cathay General Bancorp Cathay General Bancorp
CATY
 		$ 60.47 0.02 % $ 4.18 B usaUSA
CB Financial Services CB Financial Services
CBFV
 		$ 37.11 2.66 % $ 187 M usaUSA
Community Bank System Community Bank System
CBU
 		$ 60.69 0.16 % $ 3.2 B usaUSA
Coastal Financial Corporation Coastal Financial Corporation
CCB
 		$ 43.91 0.6 % $ 661 M usaUSA
CNB Financial Corporation CNB Financial Corporation
CCNE
 		$ 33.43 0.03 % $ 822 M usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
 		$ 91.39 1.01 % $ 296 M usaUSA
Citizens Financial Group Citizens Financial Group
CFG
 		$ 64.61 0.17 % $ 28 B usaUSA
ACNB Corporation ACNB Corporation
ACNB
 		$ 62.87 0.14 % $ 645 M usaUSA
Civista Bancshares Civista Bancshares
CIVB
 		$ 26.59 0.15 % $ 463 M usaUSA
Citizens Holding Company Citizens Holding Company
CIZN
 		- -5.65 % $ 49.5 M usaUSA
Capstar Financial Holdings Capstar Financial Holdings
CSTR
 		- - $ 425 M usaUSA
ChoiceOne Financial Services ChoiceOne Financial Services
COFS
 		$ 32.44 0.08 % $ 452 M usaUSA
Columbia Banking System Columbia Banking System
COLB
 		$ 28.85 0.17 % $ 6.87 B usaUSA
Central Pacific Financial Corp. Central Pacific Financial Corp.
CPF
 		$ 36.32 0.32 % $ 978 M usaUSA
Republic First Bancorp Republic First Bancorp
FRBK
 		- -55.86 % $ 19.7 M usaUSA
Community West Bancshares Community West Bancshares
CWBC
 		$ 25.42 0.04 % $ 225 M usaUSA
Flagstar Bancorp Flagstar Bancorp
FBC
 		- -0.08 % $ 2.02 B usaUSA
CrossFirst Bankshares CrossFirst Bankshares
CFB
 		- - $ 784 M usaUSA
Deutsche Bank Aktiengesellschaft Deutsche Bank Aktiengesellschaft
DB
 		$ 35.87 0.71 % $ 68.2 B germanyGermany
FFBW FFBW
FFBW
 		- - $ 68.2 M usaUSA
Eagle Bancorp Montana Eagle Bancorp Montana
EBMT
 		$ 21.2 0.58 % $ 165 M usaUSA
The First of Long Island Corporation The First of Long Island Corporation
FLIC
 		- 0.25 % $ 268 M usaUSA
Enterprise Financial Services Corp Enterprise Financial Services Corp
EFSC
 		$ 59.85 0.13 % $ 2.21 B usaUSA
Eagle Bancorp Eagle Bancorp
EGBN
 		$ 28.06 0.14 % $ 852 M usaUSA
FNCB Bancorp FNCB Bancorp
FNCB
 		- - $ 133 M usaUSA
FB Financial Corporation FB Financial Corporation
FBK
 		$ 52.64 0.04 % $ 2.62 B usaUSA
First Bancorp First Bancorp
FBNC
 		$ 62.22 0.08 % $ 2.56 B usaUSA
First BanCorp. First BanCorp.
FBP
 		$ 26.69 0.11 % $ 4.27 B puerto-ricoPuerto-rico
First Commonwealth Financial Corporation First Commonwealth Financial Corporation
FCF
 		$ 20.62 0.1 % $ 2.13 B usaUSA
Fidelity D & D Bancorp Fidelity D & D Bancorp
FDBC
 		$ 53.97 3.11 % $ 311 M usaUSA
First Financial Bancorp. First Financial Bancorp.
FFBC
 		$ 31.22 0.18 % $ 2.97 B usaUSA
First Financial Bankshares First Financial Bankshares
FFIN
 		$ 31.92 0.15 % $ 4.57 B usaUSA
First Guaranty Bancshares First Guaranty Bancshares
FGBI
 		$ 7.62 0.78 % $ 107 M usaUSA
First Horizon Corporation First Horizon Corporation
FHN
 		$ 23.02 0.13 % $ 11.6 B usaUSA
First Interstate BancSystem First Interstate BancSystem
FIBK
 		$ 36.02 0.05 % $ 3.69 B usaUSA
Farmers & Merchants Bancorp Farmers & Merchants Bancorp
FMAO
 		$ 34.58 0.08 % $ 475 M usaUSA
First Mid Bancshares First Mid Bancshares
FMBH
 		$ 48.71 0.24 % $ 1.16 B usaUSA
Farmers National Banc Corp. Farmers National Banc Corp.
FMNB
 		$ 15.18 0.1 % $ 568 M usaUSA
F.N.B. Corporation F.N.B. Corporation
FNB
 		$ 17.3 0.23 % $ 6.24 B usaUSA
The First Bancorp The First Bancorp
FNLC
 		$ 33.98 0.46 % $ 377 M usaUSA
Franklin Financial Services Corporation Franklin Financial Services Corporation
FRAF
 		$ 61.22 0.05 % $ 273 M usaUSA
First Merchants Corporation First Merchants Corporation
FRME
 		$ 40.03 0.05 % $ 2.3 B usaUSA
FS Bancorp FS Bancorp
FSBW
 		$ 43.46 0.14 % $ 327 M usaUSA
First US Bancshares First US Bancshares
FUSB
 		$ 16.46 0.55 % $ 95.8 M usaUSA