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First Savings Financial Group, Inc.(FSFG)Earnings, Financials & Key Ratios
FSFG•NASDAQ•Banking & Credit
$33.98
10.2× P/E·Price updated Jun 20, 2026
AboutFirst 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 three segments: Core Banking, SBA Lending, and Mortgage Banking. 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, such as automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in the mortgage banking; investment activities; and the provision of property and casualty insurance products, and reinsurance to other third-party insurance captives. The company operates 15 branches. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana.Show more
- Net Interest Income$63M+12.1%
- Total Revenue$146M+8.9%
- Net Income$23M+70.4%
- Return on Equity12.5%+50.9%
- Net Interest Margin2.64%+14.4%
- Efficiency Ratio38.9%-0.9%
- ROA0.96%+66.5%
- Equity / Assets8.06%+11.6%
- Book Value per Share27.73+7.4%
FSFG Price & Volume
First Savings Financial Group, Inc. (FSFG) stock price & volume — 10-year historical chart
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Operational Efficiency Gains Offset Persistent Margin Compression
Investment Thesis • Updated 2025Q4
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Mixed
Primary Risk:SBA secondary market volatility
"First Savings Financial Group has successfully improved its operating leverage, evidenced by an efficiency ratio that tightened from 64.4% in 2023Q4 to 39.6% by 2025Q4. While the bank is scaling its national lending platforms, investors should monitor the persistent 0.7% net interest margin and the significant concentration of $2.2 billion in investment securities. Future performance remains tethered to the bank's ability to manage cyclical fee income volatility while maintaining its 8% equity-to-assets ratio."
Verdict Logic
while the bank has demonstrated a disciplined reduction in its efficiency ratio to 39.6%, the lack of net interest margin expansion beyond 0.7% warrants a cautious wait-and-see approach.
FSFG Growth Metrics
First Savings Financial Group, Inc. (FSFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.73%
5 Years-5.19%
3 Years6.13%
TTM-
Profit CAGR
10 Years13.12%
5 Years-7.03%
3 Years14.61%
TTM70.4%
EPS CAGR
10 Years12.98%
5 Years-6.64%
3 Years15.58%
TTM67.17%
Return on Capital
10 Years5.03%
5 Years3.8%
3 Years2.8%
Last Year4.33%
FSFG Recent Earnings
First Savings Financial Group, Inc. (FSFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 6/12 qtrs (86%)
Q1 2026Latest
Feb 3, 2026Metric
Actual
Est
EPS
$0.62-20.5%
$0.78
Rev
—
$22M
Q4 2025
Dec 12, 2025Metric
Actual
Est
EPS
$0.75
—
Rev
$37M
—
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.81+12.5%
$0.72
Rev
$21M+23.4%
$17M
Q2 2025
Apr 24, 2025Metric
Actual
Est
EPS
$0.76+38.2%
$0.55
Rev
$20M+20.7%
$16M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 3, 2026 | $0.62vs $0.78-20.5% | —vs $22M |
| Q4 2025 | Dec 12, 2025 | $0.75 | $37M |
| Q3 2025 | Jul 24, 2025 | $0.81vs $0.72+12.5% | $21Mvs $17M+23.4% |
| Q2 2025 | Apr 24, 2025 | $0.76vs $0.55+38.2% | $20Mvs $16M+20.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Savings Financial Group, Inc. (FSFG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $33.98 | $238.37M | 10.23 | 8.88% | 15.83% | 12.5% | 1.85% | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $61.64 | $1.54B | 15.37 | -1.93% | 25.81% | 14.79% | — | |
| $8.46 | $1.07B | 16.27 | 10.03% | 17.88% | 7.46% | — | |
| $9.12 | $573.95M | 21.71 | 5.09% | 10.39% | 4.75% | — |
Compare FSFG vs Peers
First Savings Financial Group, Inc. (FSFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FSFG SEC Filings & Documents
First Savings Financial Group, Inc. (FSFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FSFG Frequently Asked Questions
First Savings Financial Group, Inc. (FSFG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Savings Financial Group, Inc. growing?
First Savings Financial Group, Inc. (FSFG) grew revenue by 8.9% over the past year. This is steady growth.
Is FSFG profitable?
Yes, First Savings Financial Group, Inc. (FSFG) is profitable, generating $23.2M in net income for fiscal year 2025 (15.8% net margin).
Dividend & Returns
Does FSFG pay dividends?
Yes, First Savings Financial Group, Inc. (FSFG) pays a dividend with a yield of 1.85%. This makes it attractive for income-focused investors.
What is FSFG's return on equity?
First Savings Financial Group, Inc. (FSFG) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.
Industry Metrics
What is First Savings Financial Group, Inc.'s net interest margin?
First Savings Financial Group, Inc. (FSFG) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
What is First Savings Financial Group, Inc.'s efficiency ratio?
First Savings Financial Group, Inc. (FSFG) has an efficiency ratio of 38.9%. This is excellent, indicating strong cost control.