Axos Financial (NYSE:AXIS – Get a rating) and First Savings Financial Group (NASDAQ: FSFG – Get a rating) are both finance companies, but which stock is superior? We will compare the two companies based on the strength of their analyst recommendations, profitability, earnings, valuation, dividends, institutional ownership and risk.
Volatility and risk
Axos Financial has a beta of 1.46, meaning its stock price is 46% more volatile than the S&P 500. In comparison, First Savings Financial Group has a beta of 0.79, meaning its stock price is 21% less volatile than the S&P 500.
This is a summary of the current ratings and recommendations for Axos Financial and First Savings Financial Group, as provided by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|First savings financial group||0||0||1||0||3.00|
Axos Financial currently has a consensus price target of $56.50, suggesting a potential upside of 46.07%. First Savings Financial Group has a consensus price target of $30.00, suggesting a potential upside of 18.44%. Given Axos Financial’s higher consensus rating and possible higher upside, equity research analysts clearly believe that Axos Financial is more favorable than First Savings Financial Group.
Institutional and Insider Ownership
77.1% of Axos Financial shares are held by institutional investors. By comparison, 30.5% of shares in First Savings Financial Group are held by institutional investors. 4.7% of Axos Financial shares are held by company insiders. By comparison, 14.3% of shares in First Savings Financial Group are held by insiders of the company. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.
This table compares the net margins, return on equity and return on assets of Axos Financial and First Savings Financial Group.
|Net margins||Return on equity||return on assets|
|First savings financial group||15.08%||11.34%||1.17%|
Benefits and evaluation
This table compares the gross revenue, earnings per share and valuation of Axos Financial and First Savings Financial Group.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Axos Financial||$723.12 million||3.19||$215.71 million||$3.78||10.23|
|First savings financial group||$185.70 million||0.98||$29.57 million||$2.85||8.89|
Axos Financial has higher revenue and profit than First Savings Financial Group. First Savings Financial Group trades at a lower price-to-earnings ratio than Axos Financial, indicating that it is currently the more affordable of the two stocks.
Axos Financial beats First Savings Financial Group on 14 out of 15 factors compared between the two stocks.
About Axos Financial (Get a rating)
Axos Financial, Inc., together with its subsidiaries, provides retail and corporate banking products in the United States. It operates through Banking Business and Securities Business segments. The Company offers deposit products, including personal and business checking accounts, current accounts, savings accounts, term deposits, money market, zero balances and cash transfer accounts. insured. It also offers single-family, multi-family and commercial mortgages; secured commercial real estate loans; commercial and industrial non-real estate, asset-backed, lines of credit and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and security-backed loans. Additionally, the company offers ACH issuance, wire transfer, business check printing, business bill payment, and account transfer; remote deposit entry, mobile deposit, safe, merchant and online payment portal; concierge banking services; mobile banking and SMS; and payment services, as well as debit and credit cards and digital wallets. Additionally, it provides disclosed clearing services; back office services, such as record keeping, business reporting, accounting, general back office support, securities and margin lending, reorganization assistance and securities custody; and financing to brokerage clients. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
About First Savings Financial Group (Get a rating)
First Savings Financial Group, Inc. operates as a bank holding company for First Savings Bank which provides various financial services to consumers and businesses in southern Indiana. The Company operates through three segments: Core Banking, SBA Lending and Mortgage Banking. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and term deposits. The Company also offers loans, including residential real estate for one to four families, commercial real estate, construction loans, land and land development, multi-family real estate and commercial business loans, as well as consumer loans, such as car loans, home equity lines of credit, unsecured loans and loans secured by deposits. Additionally, he is involved in mortgage banking; investment activities; and the provision of property and casualty insurance and reinsurance products to other third-party insurance captives. The company operates 15 branches. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana.
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