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First Savings Financial Group, Inc. (FSFG)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$182.62 - $509.96$477.91
Multi-Stage$70.54 - $77.23$73.83
Blended Fair Value$275.87
Current Price$31.43
Upside777.72%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS22.44%16.05%0.580.540.640.240.230.210.190.180.160.14
YoY Growth--6.80%-15.69%167.00%5.97%8.02%9.61%9.28%10.72%11.56%8.86%
Dividend Yield--1.85%2.05%3.84%1.21%0.86%0.97%0.86%1.02%0.84%0.91%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)17.89
(-) Cash Dividends Paid (M)4.28
(=) Cash Retained (M)13.61
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)3.582.241.34
Cash Retained (M)13.6113.6113.61
(-) Cash Required (M)-3.58-2.24-1.34
(=) Excess Retained (M)10.0311.3712.27
(/) Shares Outstanding (M)6.986.986.98
(=) Excess Retained per Share1.441.631.76
LTM Dividend per Share0.610.610.61
(+) Excess Retained per Share1.441.631.76
(=) Adjusted Dividend2.052.242.37
WACC / Discount Rate6.69%6.69%6.69%
Growth Rate5.50%6.50%7.50%
Fair Value$182.62$477.91$509.96
Upside / Downside481.05%1,420.56%1,522.54%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)17.8919.0520.2921.6123.0124.5125.25
Payout Ratio23.93%37.14%50.36%63.57%76.79%90.00%92.50%
Projected Dividends (M)4.287.0810.2213.7417.6722.0623.35

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.69%6.69%6.69%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)6.576.636.70
Year 2 PV (M)8.818.989.15
Year 3 PV (M)11.0011.3111.64
Year 4 PV (M)13.1413.6414.16
Year 5 PV (M)15.2315.9616.73
PV of Terminal Value (M)437.41458.54480.47
Equity Value (M)492.15515.07538.84
Shares Outstanding (M)6.986.986.98
Fair Value$70.54$73.83$77.23
Upside / Downside124.44%134.89%145.73%

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