First Savings Financial Group, Inc.

NASDAQ•FSFG

CEO: Mr. Larry W. Myers

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

812-283-0724

www.fsbbank.net

市值

$238.37M

市盈率 (TTM)

10.1

14.1

股息率

1.9%

52周最高

$34.10

52周最低

$21.63

52周范围

99%

排名38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 4.3 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$36.96M-100.00%

近4季度走势

每股收益

$0.77+42.59%

近4季度走势

自由现金流

$105.07M+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

INBK

$318.00M

-4.6%

CFFI

$183.79M

+10.1%

ISTR

$153.49M

-1.9%

毛利率 (最新季度)

OVLY

95.9%

+11.9pp

CBNA

91.8%

+0.4pp

LCNB

72.6%

+10.6pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
FVCB	$278.53M	12.6	8.9%	0.8%
OVLY	$278.15M	11.4	12.7%	0.0%
ISTR	$277.71M	12.1	8.3%	5.4%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

-1.4%

基本持平

4季度净利润复合增长率

-5.4%

盈利能力下滑

现金流稳定性

75%

现金流波动较大

深度研究

下次财报:2026年4月22日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据