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First Savings Financial Group, Inc.

First Savings Financial Group, Inc.

NASDAQ•FSFG
CEO: Mr. Larry W. Myers
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2008-10-08
First Savings Financial Group, Inc. operates as the bank holding company for First Savings Bank that provides various financial services to consumers and businesses in southern Indiana. The company operates through Core Banking and SBA Lending segments. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. In addition, the company provides loans, including one-to four-family residential real estate, commercial real estate, construction, land and land development, multi-family real estate, and commercial business loans, as well as consumer loans, such as automobile, boat loan, truck loan, and auto loans; and home equity lines of credit. Further, it offers of property and casualty insurance products, and reinsurance to other third-party insurance captives. First Savings Financial Group, Inc. was incorporated in 2008 and is headquartered in Jeffersonville, Indiana.
Contact Information
702 North Shore Drive, Suite 300, Jeffersonville, IN, 47130, United States
812-283-0724
www.fsbbank.net
Market Cap
$227.22M
P/E (TTM)
12.5
15.5
Dividend Yield
2.0%
52W High
$34.10
52W Low
$21.63
52W Range
86%
Rank38Top 36.9%
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$0.00-100.00%
4-Quarter Trend

EPS

$0.77+42.59%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Net Income Growth Q3 net income rose 51.4% YoY to $6.166M, resulting in diluted EPS of $0.88, up from $0.60, driven by NIM expansion.
Net Interest Margin Expands Significantly Q3 Net Interest Margin increased 32 bps YoY to 2.99% (2025 vs 2.67% 2024), reflecting higher yields on interest-earning assets.
Nonperforming Loans Decline Nonperforming loans decreased $1.7M to $15.2M since September 2024; total provision for credit losses reduced to $423K in Q3.
Bank Remains Well-Capitalized Bank maintains strong capital ratios; CET1 ratio 11.40% and Total Risk-Based Capital 12.47%, significantly above regulatory minimums.

Risk Factors

Deposit Outflow and FHLB Reliance Total deposits decreased $145M (7.7%) since FYE 2024, necessitating $133.3M increase in FHLB borrowings to $434.9M for funding stability.
Significant NII Exposure to Rates Simulation shows NII highly sensitive to rate changes; a 200bp rate increase would decrease NII by 8.47% ($6.010M) over one year.
High Unrealized Losses on Securities Accumulated Other Comprehensive Loss increased $8.9M since FYE 2024, reflecting $25.6M gross unrealized losses on AFS securities.
Residential Loan Foreclosure Increase Recorded investment in consumer mortgage loans in foreclosure increased significantly from $853.0K (Sep 2024) to $3.2M (Jun 2025).

Outlook

NIM Dependent on Rate Environment NIM outlook remains tied to rate environment; management focuses on optimizing asset yields and managing cost of interest-bearing liabilities.
Focus on Core Loan Origination Strategy emphasizes short-term residential mortgage, commercial mortgage, and business loans, while reducing exposure to long-term assets.
Maintain Prudent Credit Loss Reserves Expectation to maintain adequate ACL balance, adjusting for economic forecasts and historical loss experience using the CECL methodology.
Continued SBA Lending Segment Focus SBA lending segment remains key revenue source, focusing on net gains on loan sales and net servicing income generated by Q2 subsidiary.

Peer Comparison

Revenue (TTM)

First Internet BancorpINBK
$320.94M
+2.4%
C&F Financial CorporationCFFI
$178.57M
+8.3%
Investar Holding CorporationISTR
$153.56M
-2.0%

Gross Margin (Latest Quarter)

Chain Bridge Bancorp, Inc.CBNA
92.5%
-2.5pp
LCNB Corp.LCNB
73.8%
+10.6pp
First United CorporationFUNC
71.6%
+0.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
ISTR$274.87M11.98.8%3.6%
OVLY$269.51M15.79.0%0.0%
LCNB$242.31M10.29.0%5.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
N/M
Revenue Volatile
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Next earnings:Jan 27, 2026
|
EPS:$0.92
|
Revenue:$17.47M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $36.48M+6.7%
    |
    EPS: $0.90+50.0%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $34.38M+2.4%
    |
    EPS: $0.80+11.1%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Dec 31, 2024|Filed: Feb 10, 2025|
    Revenue: $38.51M+22.5%
    |
    EPS: $0.91+600.0%
    Beat

  • Form 10-K - FY 2024

    Period End: Sep 30, 2024|Filed: Dec 13, 2024|
    Revenue: $134.40M+4.6%
    |
    EPS: $1.99+67.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $34.20M+0.6%
    |
    EPS: $0.60+76.5%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Mar 31, 2024|Filed: May 9, 2024|
    Revenue: $33.58M+4.0%
    |
    EPS: $0.72+33.3%
    Beat

  • Form 10-K/A - FY 2023

    Period End: Sep 30, 2023|Filed: Feb 29, 2024|
    Revenue: $128.52M+5.0%
    |
    EPS: $1.19-45.4%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Dec 31, 2023|Filed: Feb 9, 2024|
    Revenue: $31.44M+9.6%
    |
    EPS: $0.13-69.0%
    Miss