First Savings Financial Group, Inc.

NASDAQ•FSFG

CEO: Mr. Larry W. Myers

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

702 North Shore Drive, Suite 300, Jeffersonville, IN, 47130, United States

812-283-0724

www.fsbbank.net

時価総額

$238.37M

PER (TTM)

10.1

15.5

配当利回り

1.9%

52週高値

$34.10

52週安値

$21.63

52週レンジ

99%

順位38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$36.96M-100.00%

直近4四半期の推移

EPS

$0.77+42.59%

直近4四半期の推移

フリーCF

$105.07M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

INBK

$318.00M

-4.6%

CFFI

$183.79M

+10.1%

ISTR

$153.49M

-1.9%

粗利益率 (最新四半期)

OVLY

95.9%

+11.9pp

CBNA

91.8%

+0.4pp

LCNB

72.6%

+10.6pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
OVLY	$292.03M	12.0	12.3%	0.4%
ISTR	$280.32M	12.2	8.3%	5.4%
FVCB	$278.28M	12.6	8.9%	1.1%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-1.4%

横ばい

4四半期純利益CAGR

-5.4%

収益性の低下

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし