FSFG vs. XLF

Last updated Apr 1, 2026

Compare and contrast key facts about First Savings Financial Group, Inc. (FSFG) and Financial Select Sector SPDR Fund (XLF).

XLF is a passively managed fund by State Street that tracks the performance of the Financial Select Sector Index. It was launched on Dec 16, 1998.

Performance

FSFG vs. XLF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in First Savings Financial Group, Inc. (FSFG) and Financial Select Sector SPDR Fund (XLF). The values are adjusted to include any dividend payments, if applicable.

FSFG vs. XLF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FSFG First Savings Financial Group, Inc.	6.65%	22.80%	62.91%	-12.76%	-22.52%	23.83%	-1.81%	30.59%	-8.07%	22.64%
XLF Financial Select Sector SPDR Fund	-9.40%	14.90%	30.56%	12.03%	-10.59%	34.80%	-1.74%	31.88%	-13.06%	22.00%

Returns By Period

FSFG

• 1D: —
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

XLF

• 1D: 2.09%
• 1M: -3.51%
• YTD: -9.40%
• 6M: -7.56%
• 1Y: 0.65%
• 3Y*: 17.25%
• 5Y*: 9.34%
• 10Y*: 12.44%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

FSFG vs. XLF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

XLF

XLF Risk / Return Rank: 14
XLF Sharpe Ratio Rank: 13
XLF Sortino Ratio Rank: 13
XLF Omega Ratio Rank: 13
XLF Calmar Ratio Rank: 15
XLF Martin Ratio Rank: 15

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FSFG vs. XLF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Savings Financial Group, Inc. (FSFG) and Financial Select Sector SPDR Fund (XLF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	FSFG	XLF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.03	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.50	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.56	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	0.20	—

Correlation

The correlation between FSFG and XLF is 0.15, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

FSFG vs. XLF - Dividend Comparison

FSFG's dividend yield for the trailing twelve months is around 1.41%, less than XLF's 1.60% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FSFG First Savings Financial Group, Inc.	1.41%	2.01%	2.26%	3.33%	2.60%	1.59%	1.05%	0.95%	1.16%	0.98%	1.11%	1.32%
XLF Financial Select Sector SPDR Fund	1.60%	1.31%	1.42%	1.71%	2.04%	1.63%	2.03%	1.87%	2.08%	1.48%	21.10%	1.95%

Drawdowns

Drawdown Indicators

	FSFG	XLF	Difference
Max Drawdown Largest peak-to-trough decline	—	-82.69%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-14.79%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-25.81%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-42.86%	—
Current Drawdown Current decline from peak	—	-12.01%	—
Average Drawdown Average peak-to-trough decline	—	-20.10%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	4.90%	—

Volatility

Volatility by Period

	FSFG	XLF	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	4.75%	—
Volatility (6M) Calculated over the trailing 6-month period	—	11.45%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	19.29%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	18.69%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	22.19%	—