FSFG Research | Milton Maxwell

FSFG

First Savings Financial Group, Inc.

33.07

-0.07-0.21%

Dec 16, 4:00:00 PM EST

Upcoming Earnings

Report date

≈ -/-

Earnings Call Transcripts

This Quarter (Q1 '26)

No earnings call transcript available yet

Last Quarter (Q4 '25)

No earnings call transcript available

Key Stats

Market Cap

231.99M

P/E (TTM)

9.96

Basic EPS (TTM)

3.32

Dividend Yield

0.02%

Recent Filings

8-K

12/19/25Dec 19, 2025

10-K

FY2025 results

12/12/25Dec 12, 2025

First Savings Financial Group capped FY2025 ended September 30, 2025 with net income of $23.2M ($3.32 diluted EPS), up sharply from $13.6M ($1.98) in FY2024, as net interest income climbed 12.5% y/y to $65.3M on higher loan yields (5.86% vs 5.76%) despite a $77M drop in net loans to $1.89B. Q4 accelerated momentum with net interest income of $17.1M (up from Q3's $16.7M), fueled by deposit cost relief (2.93% avg) while single tenant net lease loans (40% of portfolio) drove growth. Provision for credit losses swung to a $118K credit (vs $3.5M expense prior year) as nonperformers fell to 0.77% of loans; liquidity stayed solid with $32M cash and $885M FHLB capacity. No buybacks executed; quarterly dividend held at $0.16. Pending merger with First Merchants adds integration risk.

8-K

Declares $0.16 quarterly dividend

12/2/25Dec 2, 2025

First Savings Financial Group declared a quarterly cash dividend of $0.16 per share on November 26, 2025. Payable December 31 to record holders on December 15, it signals board confidence in cash flows. Steady payout. No other financial impacts disclosed.

8-K

Strong FY25 earnings surge

10/30/25Oct 30, 2025

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

9/25/25Sep 25, 2025

About

First Savings Financial Group, Inc. operates as the bank holding company for First Savings Bank that provides various financial services for individuals and business consumers 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. The company also 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 comprising automobile, personal, boat, truck, and auto loans; and home equity lines of credit. First Savings Financial Group, Inc. was incorporated in 2008 and is headquartered in Jeffersonville, Indiana.

CEO

Mr. Larry W. Myers

IPO

10/8/2008

Website

https://www.fsbbank.net

Sector

Financial Services

Industry

Banks - Regional