First Savings Financial Group, Inc.

NASDAQ•FSFG

執行長: Mr. Larry W. Myers

板塊: Financial Services

行業: 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.

聯絡資訊

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

812-283-0724

www.fsbbank.net

市值

$238.37M

本益比 (TTM)

10.1

15.5

股息率

1.9%

52周最高

$34.10

52周最低

$21.63

52周範圍

99%

排名38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.3 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$36.96M-100.00%

近4季度走勢

每股收益

$0.77+42.59%

近4季度走勢

自由現金流

$105.07M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
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%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

-1.4%

基本持平

4季度淨利複合增長率

-5.4%

盈利能力下滑

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年4月22日

每股收益:-

營業收入:-

財務數據

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財務報告

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損益表

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現金流量表

財務比率

變化率

損益表	過去12個月

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