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
Market Cap
$238.37M
P/E (TTM)
10.1
14.6
Dividend Yield
1.9%
52W High
$34.10
52W Low
$21.63
52W Range
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
$36.96M-100.00%
4-Quarter Trend
EPS
$0.77+42.59%
4-Quarter Trend
FCF
$105.07M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Significantly Increased Net Income reached $23.16M, significantly up from $13.59M in 2024, driven by higher NII and noninterest income.
Net Interest Margin Improved NIM improved to 2.94% (up 26 basis points) driven by higher asset yields outpacing funding cost increases.
Asset Quality Shows Improvement NPL ratio improved to 0.77% (down from 0.85%), reflecting better credit performance across loan portfolios.
Capital Ratios Remain Robust Capital ratios remain strong; Consolidated Total Capital ratio stood at 12.77%, well above regulatory minimums.
Risk Factors
High CRE Loan Concentration Heavy CRE/Commercial loan concentration ($1.22B, 63.9% of portfolio) exposes earnings to potential market downturns.
Interest Rate Sensitivity Exposure EVE modeling shows significant projected NII decrease (12.40%) under a 300 basis point sustained rate increase scenario.
Pending Merger Execution Risk Substantial expenses incurred related to pending merger; completion depends on regulatory approvals and closing conditions.
Operational and Cyber Risks High volume of transactions creates significant operational risk, including potential cyber-attacks and system failures.
Outlook
Merger Closing Expected 2026 Merger with First Merchants Corporation is expected to close during the first calendar quarter of 2026, subject to approvals.
Focus on Commercial Lending Intent to increase origination of CRE and commercial business loans, subject to favorable market conditions and diversification goals.
Managing Short-Term Funding Large percentage of time deposits mature within one year, requiring active rate management to retain funding sources.
Dividend Policy Continuation Management intends to maintain regular quarterly cash dividends, subject to capital adequacy and regulatory guidelines.
Peer Comparison
Revenue (TTM)
$318.00M
$183.79M
$153.49M
Gross Margin (Latest Quarter)
95.9%
91.8%
72.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| OVLY | $268.00M | 11.0 | 12.7% | 0.0% |
| ISTR | $266.30M | 11.6 | 8.3% | 5.4% |
| FVCB | $265.70M | 12.0 | 8.9% | 0.8% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.4%
Flat Growth
4Q Net Income CAGR
-5.4%
Declining Profitability
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Apr 22, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data