What is First Savings Financial Group, Inc's earnings per share (EPS)?

First Savings Financial Group, Inc (FSFG) reported diluted earnings per share of $3.32 for fiscal year 2025. This represents a 67.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Savings Financial Group, Inc (FSFG) Financials

FSFG

FY2025 annual

Revenue $84.2M +19.2% YoY

Net Income $23.2M +70.4% YoY

EPS (Diluted) $3.32 +67.7% YoY

Free Cash Flow $78.3M -13.6% YoY

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Sep 30, 2025 Reported Dec 12, 2025 Currency USD FYE September

Newest figures come from the 10-K for FY2025, filed Dec 12, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FSFG SEC filings page.

First Savings Financial Group, Inc (FSFG) reported $84.2M in revenue for fiscal year 2025, up 19.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FSFG FY2025 2026-10-04

FY2025 shows a balance-sheet-heavy lender whose earnings recovered while leverage eased, but asset returns remain modest.

Cash conversion looks unusually strong: operating cash flow reached $79.1M, more than three times net income of $23.2M. Free cash flow of $78.3M nearly matched operating cash flow because capital expenditures were only $879K, indicating reported cash generation is driven mainly by balance-sheet flows rather than physical reinvestment.

Leverage has moderated: debt-to-equity declined from 14.2x in FY2023 to 11.4x in FY2025, while equity increased from $151.0M to $193.5M. That combination points to a less levered funding structure, even though liabilities remain large relative to the asset base.

Net margin expanded from 9.4% in FY2023 to 27.5% in FY2025, but ROA reached only 1.0%. The contrast shows that improved profitability on revenue has not translated into high returns on the substantial assets required by the business.

Financial Health Signals

Financial Health Score 20/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Savings Financial Group, Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Savings Financial Group, Inc earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and First Savings Financial Group, Inc scores 36/100 among other banks.

Growth

First Savings Financial Group, Inc reported revenue of $84.2M in fiscal year 2025, against $70.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Savings Financial Group, Inc scores 14/100 among other banks.

Capital

First Savings Financial Group, Inc funded 8.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $193.5M of equity against $2.4B of assets. Capital ranks banks on that cushion, and First Savings Financial Group, Inc scores 8/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Savings Financial Group, Inc scores 23/100 on it among other banks.

Credit Quality

Not available for First Savings Financial Group, Inc, and counted as zero in the overall score.

Stability

First Savings Financial Group, Inc reported net income of $23.2M in fiscal year 2025, against $13.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Savings Financial Group, Inc scores 40/100 among other banks.

Piotroski F-Score Partial

5/6

First Savings Financial Group, Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

3.42x

For every $1 of reported earnings, First Savings Financial Group, Inc generates $3.42 in operating cash flow ($79.1M OCF vs $23.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$21.8M

YoY+21.6%

QoQ+2.6%

5Y CAGR-20.9%

10Y CAGR+10.5%

First Savings Financial Group, Inc generated $21.8M in revenue in Q4 2025. This represents an increase of 21.6% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.

Net Income

$5.3M

YoY+43.5%

QoQ-14.5%

5Y CAGR-19.9%

10Y CAGR+11.2%

First Savings Financial Group, Inc reported $5.3M in net income in Q4 2025. This represents an increase of 43.5% from the same quarter a year earlier. Against the prior quarter it is down 14.5%.

EPS (Diluted)

$0.76

YoY+43.4%

QoQ-13.6%

5Y CAGR-18.5%

10Y CAGR-0.5%

First Savings Financial Group, Inc earned $0.76 per diluted share (EPS) in Q4 2025. This represents an increase of 43.4% from the same quarter a year earlier. Against the prior quarter it is down 13.6%.

EBITDA

Not reported for Q4 2025.

Cash & Balance Sheet

Free Cash Flow

$105.1M

YoY+10698.2%

QoQ+1524.4%

First Savings Financial Group, Inc generated $105.1M in free cash flow in Q4 2025, representing cash available after capex. This represents an increase of 10698.2% from the same quarter a year earlier. Against the prior quarter it is up 1524.4%.

Cash & Debt

$31.9M

YoY-38.9%

QoQ-38.9%

5Y CAGR-1.1%

10Y CAGR+2.5%

First Savings Financial Group, Inc held $31.9M in cash as of Q4 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.16

YoY+6.7%

QoQ0.0%

10Y CAGR+2.9%

First Savings Financial Group, Inc paid $0.16 per share in dividends in Q4 2025. This represents an increase of 6.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+1.7%

QoQ+0.6%

5Y CAGR+24.2%

10Y CAGR+12.3%

First Savings Financial Group, Inc had 7M shares outstanding in Q4 2025. This represents an increase of 1.7% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.

Margins & Returns

Net Margin

24.2%

YoY+3.7pp

QoQ-4.8pp

5Y change+1.5pp

10Y change+1.4pp

First Savings Financial Group, Inc's net profit margin was 24.2% in Q4 2025, showing the share of revenue converted to profit. This is up 3.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.8 percentage points.

Return on Equity

2.7%

YoY+0.6pp

QoQ-0.6pp

5Y change-7.4pp

10Y change+0.8pp

First Savings Financial Group, Inc's ROE was 2.7% in Q4 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.

Gross Margin

Not reported for Q4 2025.

Operating Margin

Not reported for Q4 2025.

Capital Allocation

Capital Expenditures

$221K

YoY-12.0%

QoQ+3057.1%

5Y CAGR-23.7%

10Y CAGR+5.9%

First Savings Financial Group, Inc invested $221K in capex in Q4 2025, funding long-term assets and infrastructure. This represents a decrease of 12.0% from the same quarter a year earlier. Against the prior quarter it is up 3057.1%.

R&D Spending

Not reported for Q4 2025.

Share Buybacks

Not reported for Q4 2025.

FSFG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FSFG quarterly income statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$84.2M+19.2%	$70.6M-18.8%	$86.9M-22.3%	$111.9M-37.0%	$177.6M-1.6%	$180.5M+115.0%	$83.9M+70.9%	$49.1M+29.0%	$38.1M+32.9%	$28.7M-5.0%	$30.2M+4.1%	$29.0M+5.4%	$27.5M+11.1%	$24.7M+4.8%	$23.6M
SG&A Expenses	$34.9M+9.2%	$32.0M-27.2%	$43.9M-28.2%	$61.2M-40.5%	$103.0M+10.8%	$92.9M+116.6%	$42.9M+117.4%	$19.7M+30.8%	$15.1M+17.4%	$12.9M+8.9%	$11.8M+5.7%	$11.2M+6.3%	$10.5M+15.8%	$9.1M+3.7%	$8.8M
Interest Expense	$62.2M-2.7%	$63.9M+53.5%	$41.7M+295.1%	$10.5M+30.4%	$8.1M-23.3%	$10.5M-3.4%	$10.9M+72.1%	$6.3M+42.2%	$4.5M+7.0%	$4.2M+10.3%	$3.8M+6.3%	$3.6M-9.7%	$3.9M-15.8%	$4.7M-13.2%	$5.4M
Income Tax	$3.7M+263.7%	$1.0M+10080.0%	$10K-99.5%	$1.9M-80.8%	$10.0M-21.0%	$12.7M+309.1%	$3.1M+27.8%	$2.4M-3.9%	$2.5M+208.5%	-$2.3M-247.3%	$1.6M-24.1%	$2.1M+14.7%	$1.8M+24.2%	$1.5M-13.2%	$1.7M
Net Income	$23.2M+70.4%	$13.6M+66.3%	$8.2M-46.9%	$15.4M-48.0%	$29.6M-11.4%	$33.4M+106.2%	$16.2M+48.4%	$10.9M+17.1%	$9.3M+17.7%	$7.9M+17.2%	$6.8M+25.3%	$5.4M+14.8%	$4.7M+9.5%	$4.3M+6.8%	$4.0M
EPS (Basic)	$3.37+69.3%	$1.99+67.2%	$1.19-45.4%	$2.18-47.6%	$4.16-11.9%	$4.72+102.6%	$2.33-51.8%	$4.83+15.0%	$4.20+17.6%	$3.57+16.3%	$3.07+24.8%	$2.46+17.7%	$2.09+10.0%	$1.90+4.4%	$1.82
EPS (Diluted)	$3.32+67.7%	$1.98+66.4%	$1.19-44.7%	$2.15-47.8%	$4.12	$4.68+106.2%	$2.27	$4.60+15.9%	$3.97+16.4%	$3.41+16.4%	$2.93+25.2%	$2.34+17.6%	$1.99+7.6%	$1.85+3.9%	$1.78
Diluted Shares (Avg)	7M+1.8%	7M-0.3%	7M-3.7%	7M-0.4%	7M	7M+0.2%	7M	2M+1.1%	2M+1.8%	2M+2.5%	2M+0.8%	2M-1.8%	2M+1.7%	2M+1.9%	2M

Metric	Q4'2510-K	Q3'2510-K	Q2'2510-K	Q1'2510-K	Q4'2410-K	Q3'2410-K	Q2'2410-Q	Q1'2410-Q
Revenue	$21.8M+21.6%	$21.2M+19.8%	$19.6M+8.3%	$21.6M+27.6%	$17.9M-14.6%	$17.7M-19.6%	$18.0M-19.5%	$16.9M-21.2%
SG&A Expenses	$14.6M+15.7%	$8.4M+12.1%	$8.5M+12.4%	$9.2M-5.0%	$12.6M-41.6%	$7.5M-32.8%	$7.6M-27.1%	$9.7M-9.6%
Interest Expense	$15.2M-11.6%	$15.2M-8.0%	$14.8M-5.4%	$17.0M+16.8%	$17.1M+36.1%	$16.6M+38.8%	$15.7M+58.4%	$14.5M+101.4%
Income Tax	$1.3M+797.9%	$963K+99.4%	$589K-32.0%	$848K+278.2%	$145K+119.7%	$483K+45.9%	$866K+160.1%	-$476K-673.5%
Net Income	$5.3M+43.5%	$6.2M+51.4%	$5.5M+11.6%	$6.2M+576.6%	$3.7M+591.6%	$4.1M+75.3%	$4.9M+32.3%	$920K-68.0%
EPS (Basic)	$0.76+40.7%	$0.90+50.0%	$0.80+11.1%	$0.91+600.0%	$0.54+590.9%	$0.60+76.5%	$0.72+33.3%	$0.13-69.0%
EPS (Diluted)	$0.76+43.4%	$0.88+46.7%	$0.79+9.7%	$0.89+584.6%	$0.53+581.8%	$0.60+76.5%	$0.72+33.3%	$0.13-69.0%
Diluted Shares (Avg)	N/A	7M+2.1%	7M+1.5%	7M+1.9%	N/A	7M+0.2%	7M-0.3%	7M-1.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FSFG Balance Sheet

FSFG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.4B-2.1%	$2.5B+7.1%	$2.3B+9.3%	$2.1B+21.6%	$1.7B-2.4%	$1.8B+44.3%	$1.2B+18.2%	$1.0B+16.1%	$891.1M+11.9%	$796.5M+6.2%	$749.9M+5.2%	$713.1M+8.0%	$660.5M+3.4%	$638.9M+19.0%	$537.1M
Cash & Equivalents	$31.9M-38.9%	$52.1M+69.0%	$30.8M-26.0%	$41.7M+24.6%	$33.4M-0.9%	$33.7M-18.6%	$41.4M-2.0%	$42.3M+23.4%	$34.3M+16.8%	$29.3M+17.4%	$25.0M+22.9%	$20.3M-2.3%	$20.8M-46.3%	$38.8M+42.6%	$27.2M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M+24.1%	$7.9M0.0%	$7.9M0.0%	$7.9M0.0%	$7.9M0.0%	$7.9M0.0%	$7.9M+33.6%	$5.9M
Total Liabilities	$2.2B-3.0%	$2.3B+6.3%	$2.1B+10.1%	$1.9B+26.0%	$1.5B-4.1%	$1.6B+45.9%	$1.1B+17.9%	$934.2M+17.1%	$798.0M+12.4%	$709.9M+8.3%	$655.6M+4.7%	$626.0M+8.3%	$578.2M+4.0%	$556.0M+20.7%	$460.5M
Total Equity	$193.5M+9.2%	$177.1M+17.3%	$151.0M-0.4%	$151.6M-16.0%	$180.4M+14.7%	$157.3M+29.9%	$121.1M+22.5%	$98.8M+6.1%	$93.1M+7.5%	$86.6M-8.2%	$94.4M+8.4%	$87.1M+5.9%	$82.3M-0.8%	$82.9M+8.3%	$76.6M
Retained Earnings	$192.1M+10.8%	$173.3M+4.2%	$166.3M+2.7%	$161.9M+7.8%	$150.2M+21.9%	$123.2M+35.0%	$91.2M+19.2%	$76.5M+13.2%	$67.6M+13.6%	$59.5M+12.8%	$52.8M+11.8%	$47.2M+10.0%	$42.9M+7.4%	$39.9M+11.5%	$35.8M

Metric	Q4'2510-K	Q3'2510-K	Q2'2510-K	Q1'2510-K	Q4'2410-K	Q3'2410-K	Q2'2410-Q	Q1'2410-Q
Total Assets	$2.4B-2.1%	$2.4B+1.0%	$2.4B+0.5%	$2.4B+3.5%	$2.5B+7.1%	$2.4B+5.9%	$2.4B+5.6%	$2.3B+5.1%
Cash & Equivalents	$31.9M-38.9%	$52.1M+22.9%	$28.7M-54.4%	$76.2M+128.4%	$52.1M+69.0%	$42.4M-0.1%	$63.0M+50.6%	$33.4M-12.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%
Total Liabilities	$2.2B-3.0%	$2.2B+0.3%	$2.2B-0.1%	$2.2B+3.2%	$2.3B+6.3%	$2.2B+6.2%	$2.2B+6.1%	$2.1B+5.2%
Total Equity	$193.5M+9.2%	$183.8M+9.4%	$179.2M+8.6%	$176.0M+7.0%	$177.1M+17.3%	$168.0M+1.8%	$165.1M-1.1%	$164.5M+2.7%
Retained Earnings	$192.1M+10.8%	$188.0M+10.1%	$182.9M+9.1%	$178.5M+9.0%	$173.3M+4.2%	$170.7M+1.6%	$167.6M+0.6%	$163.8M-0.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

FSFG Cash Flow Statement

FSFG quarterly cash flow statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$79.1M-13.2%	$91.2M+178.4%	$32.8M-78.0%	$148.8M+29.5%	$114.9M+182.2%	-$139.7M-212.3%	-$44.7M-349.0%	$18.0M+906.0%	-$2.2M-123.8%	$9.4M+1763.4%	-$563K-106.9%	$8.1M-28.2%	$11.3M+161.6%	$4.3M-60.7%	$11.0M
Depreciation & Amortization	$2.2M-5.4%	$2.4M-7.0%	$2.5M+4.1%	$2.4M+6.4%	$2.3M+23.8%	$1.9M+10.3%	$1.7M+22.7%	$1.4M+18.0%	$1.2M-20.3%	$1.5M+0.6%	$1.5M+0.5%	$1.4M+16.4%	$1.2M+24.6%	$996K+10.3%	$903K
Stock-Based Compensation	$918K+31.3%	$699K+0.1%	$698K+1.5%	$688K+148.4%	$277K-0.7%	$279K+13.4%	$246K+13.4%	$217K+23.3%	$176K-72.0%	$628K+55.1%	$405K	N/A	N/A	N/A	N/A
Capital Expenditures	$879K+28.5%	$684K-76.8%	$3.0M+253.8%	$835K-85.2%	$5.6M-22.8%	$7.3M-23.0%	$9.5M+495.7%	$1.6M+274.2%	$426K+20.7%	$353K-25.7%	$475K+38.9%	$342K-92.8%	$4.7M+454.3%	$856K-45.2%	$1.6M
Free Cash Flow	$78.3M-13.6%	$90.5M+203.7%	$29.8M-79.9%	$148.0M+35.4%	$109.3M+174.3%	-$147.0M-171.1%	-$54.2M-431.2%	$16.4M+716.6%	-$2.7M-129.5%	$9.0M+968.2%	-$1.0M-113.3%	$7.8M+18.4%	$6.6M+89.4%	$3.5M-63.2%	$9.4M
Investing Cash Flow	-$37.8M+81.4%	-$203.3M+23.0%	-$264.0M+51.5%	-$544.2M-874.0%	-$55.9M+83.5%	-$339.4M-202.7%	-$112.1M-122.1%	-$50.5M+35.5%	-$78.2M-72.6%	-$45.3M-138.4%	-$19.0M+61.9%	-$50.0M-0.6%	-$49.6M-260.6%	$30.9M+265.9%	-$18.6M
Financing Cash Flow	-$61.6M-146.2%	$133.4M-39.5%	$220.4M-45.4%	$403.6M+780.5%	-$59.3M-112.6%	$471.4M+202.2%	$156.0M+284.8%	$40.5M-52.5%	$85.4M+111.8%	$40.3M+66.3%	$24.2M-41.4%	$41.3M+103.2%	$20.3M+186.0%	-$23.6M-200.4%	$23.5M
Dividends Paid	$4.4M+8.2%	$4.1M+6.8%	$3.8M-15.7%	$4.5M+167.0%	$1.7M+6.0%	$1.6M+8.0%	$1.5M+9.6%	$1.3M+9.3%	$1.2M+10.7%	$1.1M+11.6%	$995K+8.9%	$914K-41.9%	$1.6M	$0	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$46K	$0	$0-100.0%	$132K-96.0%	$3.3M+423.7%	$625K-15.9%	$743K+2.5%	$725K

Metric	Q4'2510-K	Q3'2510-K	Q2'2510-K	Q1'2510-K	Q4'2410-K	Q3'2410-K	Q2'2410-Q	Q1'2410-Q
Operating Cash Flow	$105.3M+8501.9%	$6.5M+1088.5%	-$32.8M-526.3%	$177K-99.8%	$1.2M-93.5%	-$655K+90.9%	$7.7M+73.2%	$82.9M+394.9%
Depreciation & Amortization	$500K-13.8%	$590K0.0%	$568K-4.2%	$585K-3.8%	$580K-9.7%	$590K-8.5%	$593K+3.7%	$608K-3.9%
Stock-Based Compensation	N/A	$0	$0	$189K+9.9%	N/A	$0	$0	$172K-7.0%
Capital Expenditures	$221K-12.0%	$7K-85.1%	$127K+1487.5%	$524K+38.6%	$251K-28.9%	$47K-95.2%	$8K-99.1%	$378K-47.4%
Free Cash Flow	$105.1M+10698.2%	$6.5M+1021.4%	-$32.9M-528.4%	-$347K-100.4%	$973K-94.7%	-$702K+91.4%	$7.7M+117.2%	$82.6M+414.7%
Investing Cash Flow	-$98.6M-172.0%	-$18.3M+65.7%	-$868K+97.8%	$79.9M+207.4%	-$36.3M+68.3%	-$53.3M-288.6%	-$39.3M-102.9%	-$74.5M+36.1%
Financing Cash Flow	-$26.9M-160.2%	$35.2M+5.5%	-$13.9M-122.6%	-$56.0M-841.8%	$44.8M-46.7%	$33.4M+54.6%	$61.2M+231.5%	-$6.0M-106.2%
Dividends Paid	$1.1M+10.1%	$1.1M+7.9%	$1.1M+7.3%	$1.0M+7.6%	$1.0M+6.3%	$1.0M+7.5%	$1.0M+7.3%	$963K+6.1%

Not reported in any period shown, so not listed: Share Buybacks.

FSFG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FSFG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	27.5%+8.3pp	19.3%+9.8pp	9.4%-4.4pp	13.8%-2.9pp	16.7%-1.8pp	18.5%-0.8pp	19.3%-2.9pp	22.2%-2.2pp	24.4%-3.2pp	27.6%+5.2pp	22.4%+3.8pp	18.6%+1.5pp	17.1%-0.3pp	17.3%+0.3pp	17.0%
Return on Equity	12.0%+4.3pp	7.7%+2.3pp	5.4%-4.7pp	10.2%-6.2pp	16.4%-4.8pp	21.2%+7.9pp	13.4%+2.3pp	11.0%+1.0pp	10.0%+0.9pp	9.1%+2.0pp	7.1%+1.0pp	6.2%+0.5pp	5.7%+0.5pp	5.2%-0.1pp	5.2%
Return on Assets	1.0%+0.4pp	0.5%+0.2pp	0.4%-0.4pp	0.7%-1.0pp	1.7%-0.2pp	1.9%+0.6pp	1.3%+0.3pp	1.1%0.0pp	1.1%+0.1pp	1.0%+0.1pp	0.9%+0.1pp	0.8%0.0pp	0.7%0.0pp	0.7%-0.1pp	0.8%
Debt-to-Equity	11.40-1.4x	12.83-1.3x	14.16+1.3x	12.81+4.3x	8.54-1.7x	10.22+1.1x	9.10-0.4x	9.45+0.9x	8.57+0.4x	8.20+1.3x	6.95-0.2x	7.19+0.2x	7.03+0.3x	6.70+0.7x	6.01
Asset Turnover	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.100.0x	0.100.0x	0.070.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	93.0%	128.2%	34.3%	132.3%	61.5%+142.9pp	-81.4%-16.8pp	-64.6%-97.9pp	33.3%+40.3pp	-7.0%-38.4pp	31.4%+34.9pp	-3.4%-30.3pp	26.9%+2.9pp	23.9%+9.9pp	14.0%-26.0pp	40.0%

Metric	Q4'2510-K	Q3'2510-K	Q2'2510-K	Q1'2510-K	Q4'2410-K	Q3'2410-K	Q2'2410-Q	Q1'2410-Q
Net Margin	24.2%+3.7pp	29.0%+6.1pp	28.1%+0.8pp	28.9%+23.4pp	20.5%+24.1pp	23.0%+12.4pp	27.3%+10.7pp	5.5%-7.9pp
Return on Equity	2.7%+0.6pp	3.4%+0.9pp	3.1%+0.1pp	3.5%+3.0pp	2.1%+2.6pp	2.4%+1.0pp	3.0%+0.8pp	0.6%-1.2pp
Return on Assets	0.2%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.3%+0.2pp	0.1%+0.2pp	0.2%+0.1pp	0.2%0.0pp	0.0%-0.1pp
Debt-to-Equity	11.40-1.4x	12.15-1.1x	12.26-1.1x	12.57-0.5x	12.83-1.3x	13.25+0.6x	13.33+0.9x	13.03+0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	482.2%	30.4%+34.4pp	-168.5%	-1.6%	5.4%-82.4pp	-4.0%+33.2pp	42.6%+26.8pp	488.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Savings Financial Group, Inc FSFG	FY2025	$84.2M	$23.2M	27.5%	$238.4M	20/100
Eagle Financial Services Inc EFSI	FY2025	$69.5M	$8.2M	11.8%	$247.0M	26/100
National Bankshares Inc/VA NKSH	FY2025	$55.6M	$15.8M	28.5%	$276.4M	50/100
Franklin Financial Services Corporation FRAF	FY2025	$88.8M	$21.2M	23.9%	$286.2M	42/100
FIRST NATL CORP STRASBURG VA FXNC	FY2025	$90.3M	$17.7M	19.6%	$268.8M	42/100

Where First Savings Financial Group, Inc Ranks

Frequently Asked Questions

What is First Savings Financial Group, Inc's annual revenue?

First Savings Financial Group, Inc (FSFG) reported $84.2M in total revenue for fiscal year 2025. This represents a 19.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Savings Financial Group, Inc's revenue growing?

First Savings Financial Group, Inc (FSFG) revenue grew by 19.2% year-over-year, from $70.6M to $84.2M in fiscal year 2025.

Is First Savings Financial Group, Inc profitable?

Yes, First Savings Financial Group, Inc (FSFG) reported a net income of $23.2M in fiscal year 2025, with a net profit margin of 27.5%.

What is First Savings Financial Group, Inc's net profit margin?

First Savings Financial Group, Inc (FSFG) had a net profit margin of 27.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Savings Financial Group, Inc pay dividends?

Yes, First Savings Financial Group, Inc (FSFG) paid $0.63 per share in dividends during fiscal year 2025.

What is First Savings Financial Group, Inc's return on equity (ROE)?

First Savings Financial Group, Inc (FSFG) has a return on equity of 12.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Savings Financial Group, Inc's free cash flow?

First Savings Financial Group, Inc (FSFG) generated $78.3M in free cash flow during fiscal year 2025. This represents a -13.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Savings Financial Group, Inc's operating cash flow?

First Savings Financial Group, Inc (FSFG) generated $79.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Savings Financial Group, Inc's total assets?

First Savings Financial Group, Inc (FSFG) had $2.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Savings Financial Group, Inc's capital expenditures?

First Savings Financial Group, Inc (FSFG) invested $879K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does First Savings Financial Group, Inc have outstanding?

First Savings Financial Group, Inc (FSFG) had 7M shares outstanding as of fiscal year 2025.

What is First Savings Financial Group, Inc's debt-to-equity ratio?

First Savings Financial Group, Inc (FSFG) had a debt-to-equity ratio of 11.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Savings Financial Group, Inc's return on assets (ROA)?

First Savings Financial Group, Inc (FSFG) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Savings Financial Group, Inc's Piotroski F-Score?

First Savings Financial Group, Inc (FSFG) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Savings Financial Group, Inc's earnings high quality?

First Savings Financial Group, Inc (FSFG) has an earnings quality ratio of 3.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Savings Financial Group, Inc?

First Savings Financial Group, Inc (FSFG) scores 20 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.