FSFG
First Savings Financial Group, Inc.33.07
-0.07-0.21%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
231.99MP/E (TTM)
9.96Basic EPS (TTM)
3.32Dividend Yield
0.02%Recent Filings
10-K
8-K
8-K
Strong FY25 earnings surge
First Savings Financial Group reported fiscal year 2025 net income of $23.2 million, or $3.32 per diluted share, up sharply from $13.6 million, or $1.98 per share, in 2024, driven by net interest income rising 12.5% to $65.3 million and noninterest income surging on HELOC and SBA loan sales. Customer deposits grew $118.2 million while nonperforming loans fell to $14.6 million. Merger costs with First Merchants weighed on results. Earnings doubled year-over-year.
8-K
Quarterly dividend declared
First Savings Financial Group declared a quarterly cash dividend of $0.16 per share on August 27, 2025, payable September 30 to shareholders of record on September 15. This payout underscores the company's steady commitment to returning capital amid its community banking operations in Southern Indiana and national lending programs. Solid fundamentals persist.
10-Q
Q3 FY2025 results
First Savings Financial Group posted solid Q3 FY2025 results, with net income jumping 51% year-over-year to $6.2M, or $0.88 diluted EPS, from $4.1M, or $0.60, as net interest income rose 15% to $16.7M on a 32 basis point expansion in net interest margin to 2.99% (derived), fueled by higher loan yields and lower deposit costs despite a $144.7M drop in total deposits to $1.74B. Noninterest income climbed 41% to $4.5M, boosted by $617K in home equity line sales and $932K from SBA loan gains, while expenses edged up 10% to $13.7M on higher compensation. Liquidity held steady at $52.1M in cash equivalents, with FHLB borrowings up $133.3M to $434.9M to offset deposit outflows; free cash flow not disclosed in the 10-Q. Yet competition from larger banks pressures deposit rates and loan pricing.
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