कंपनी का अवलोकन
First Savings Financial Group, Inc. operates as a bank holding company that manages First Savings Bank, delivering a comprehensive suite of financial services tailored for both individual consumers and business entities located in southern Indiana. The organization functions primarily within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized community banking rather than nationwide or international operations. This entity employs a workforce of 244 individuals and maintains a market capitalization of $238.37M, while generating an annual revenue (TTM) of $84.22M. These valuation and revenue figures indicate that the company holds a modest position in the regional banking landscape, reflecting a specialized operational scope rather than the massive scale of national financial institutions. The relatively low market cap compared to large-cap peers suggests the stock is priced based on its specific regional footprint and niche lending capabilities rather than broad diversification.
वित्तीय स्वास्थ्य
The company reported a revenue of $84.22M and a net income of $23.16M for the trailing twelve months, while the EBITDA metric is currently unavailable in the provided data. The significant difference between the revenue of $84.22M and the net income of $23.16M reveals a substantial cost structure inherent to banking operations, where operating expenses and provisions for loan losses absorb the majority of top-line earnings before arriving at the bottom line. Although the free cash flow figure is not listed, the balance sheet shows a cash position of $32.10M against total debt of $467.72M, indicating that the company holds significant liabilities relative to its liquid cash reserves. The operating margin stands at 34.1%, demonstrating efficient core banking operations before interest, while the gross margin is recorded at 0.0%, which is standard for financial institutions where revenue is net of the cost of funds. The profit margin is 27.5%, highlighting the company's ability to convert a substantial portion of its revenue into actual profit after all expenses, including taxes and interest. In terms of liquidity and leverage, the current ratio is unavailable, preventing a direct assessment of short-term liquidity coverage, yet the debt-to-equity ratio is also unavailable, making a precise leverage assessment difficult without that specific metric. The Return on Equity is 12.5%, which suggests that the company generates a healthy return for shareholders relative to the equity invested, whereas the Return on Assets is 1.0%, indicating the efficiency of the company in utilizing its total asset base to generate income.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio is 10.23, while the forward P/E is projected at 12.36, implying that the market expects earnings growth that would justify a higher multiple in the future compared to historical performance. The price-to-book ratio is 1.21, indicating that the stock trades at a slight premium over its book value, which often reflects the market's confidence in the quality of the bank's loan portfolio and intangible assets like customer relationships. The price-to-sales ratio stands at 2.83, providing an alternative valuation perspective that measures earnings power relative to total sales, while the EV/EBITDA is unavailable, limiting the ability to value the company based on enterprise multiples. The stock's price range over the last year has fluctuated between a 52-week low of $21.63 and a 52-week high of $34.10, meaning the current trading price sits somewhere within this established volatility band. The beta value is 0.44, which signifies that the stock exhibits significantly lower price volatility relative to the broader market, making it a less sensitive instrument to general market swings compared to high-beta equities.
Growth & Income
Revenue growth for the year-over-year period is 26.3%, and earnings growth is 41.8%, indicating that profitability is expanding at a rate significantly faster than top-line revenue, likely driven by improved net interest margins or cost efficiencies. The company offers a dividend yield of 1.9% and maintains a payout ratio of 19.0%, which suggests a highly conservative and sustainable dividend policy given that the payout consumes only a small fraction of the generated earnings. This low payout ratio allows the institution to retain most of its earnings for capital adequacy, loan growth, and operational investments rather than distributing them entirely to shareholders. Overall, the growth and income profile presents a company with robust earnings acceleration and a stable, income-generating dividend structure suitable for investors seeking both capital appreciation and modest yield.