Financial Snapshot

Revenue
$36.29M
TTM
Gross Margin
Net Earnings
$18.90M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$176.0M
Q4 2024
Cash
Q4 2024
P/E
11.10
Dec 02, 2024 EST
Free Cash Flow
$6.639M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $5.284M $5.630M $5.444M $65.26M $57.70M $51.00M $42.16M $33.92M $29.46M $27.99M $27.49M $27.18M $25.99M
YoY Change -6.15% 3.42% -91.66% 13.1% 13.15% 20.96% 24.3% 15.14% 5.25% 1.79% 1.17% 4.54%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $5.284M $5.630M $5.444M $65.26M $57.70M $51.00M $42.16M $33.92M $29.46M $27.99M $27.49M $27.18M $25.99M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.549M $2.448M $2.300M $1.900M $1.700M $1.400M $1.200M $198.0K $196.0K $909.0K $810.0K $689.0K $900.0K $1.200M $300.0K $300.0K $300.0K $300.0K
YoY Change 4.13% 6.43% 21.05% 11.76% 21.43% 16.67% 506.06% 1.02% -78.44% 12.22% 17.56% -23.44% -25.0% 300.0% 0.0% 0.0% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Interest Expense $63.93M $41.66M $10.35M $8.087M $10.54M $10.91M $6.337M $4.457M $4.167M $3.778M $3.555M $3.936M $4.675M
YoY Change 53.47% 302.62% 27.93% -23.26% -3.37% 72.1% 42.18% 6.96% 10.3% 6.27% -9.68% -15.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Pretax Income $14.61M $8.182M $18.82M $39.97M $46.74M $20.09M $14.76M $11.83M $5.589M $8.327M $7.467M $6.507M $5.745M $5.700M $3.400M -$200.0K -$500.0K $1.200M $600.0K
YoY Change 78.56% -56.53% -52.9% -14.5% 132.66% 36.13% 24.72% 111.72% -32.88% 11.52% 14.75% 13.26% 0.79% 67.65% -1800.0% -60.0% -141.67% 100.0%
Income Tax $1.018M $10.00K $2.378M $9.997M $12.66M $3.095M $2.422M $2.520M -$2.322M $1.576M $2.077M $1.811M $1.458M $1.700M $800.0K -$300.0K -$300.0K $400.0K $200.0K
% Of Pretax Income 6.97% 0.12% 12.63% 25.01% 27.09% 15.41% 16.41% 21.3% -41.55% 18.93% 27.82% 27.83% 25.38% 29.82% 23.53% 33.33% 33.33%
Net Earnings $13.59M $8.172M $16.44M $29.57M $33.35M $16.18M $10.90M $9.313M $7.911M $6.751M $5.390M $4.696M $4.287M $4.000M $2.600M $0.00 -$200.0K $800.0K $400.0K
YoY Change 66.32% -50.3% -44.38% -11.35% 106.18% 48.39% 17.06% 17.72% 17.18% 25.25% 14.78% 9.54% 7.18% 53.85% -100.0% -125.0% 100.0%
Net Earnings / Revenue 257.23% 145.15% 302.06% 45.31% 57.81% 31.72% 25.86% 27.46% 26.86% 24.12% 19.6% 17.28% 16.49%
Basic Earnings Per Share $1.99 $1.19 $2.33 $4.16 $4.72 $2.33 $4.83 $4.20 $3.57 $3.07 $2.46 $2.09 $1.90
Diluted Earnings Per Share $1.98 $1.19 $2.302M $4.12 $4.68 $2.27 $4.60 $3.97 $3.41 $2.93 $2.34 $1.99 $1.85 $606.1K $388.1K $0.00 -$26.32K $105.3K $52.63K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $32.06M $31.50M $33.50M $32.30M $19.20M $13.00M $11.30M $11.70M $13.80M $14.30M $14.80M $10.90M $10.40M $9.500M $9.900M $4.200M $4.400M $4.400M
YoY Change 1.78% -5.97% 3.72% 68.23% 47.69% 15.04% -3.42% -15.22% -3.5% -3.38% 35.78% 4.81% 9.47% -4.04% 135.71% -4.55% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $2.289B $2.058B $1.721B $1.765B $1.223B $1.034B $891.1M $796.5M $749.9M $713.1M $660.5M $638.9M $537.1M $508.4M $480.8M $228.9M $203.3M $206.4M
YoY Change
Accounts Payable $8.926M $1.302M $300.0K $700.0K $900.0K $700.0K $300.0K $200.0K $200.0K $200.0K $200.0K $200.0K $400.0K $400.0K $500.0K $100.0K $200.0K $100.0K
YoY Change 585.56% 334.0% -57.14% -22.22% 28.57% 133.33% 50.0% 0.0% 0.0% 0.0% 0.0% -50.0% 0.0% -20.0% 400.0% -50.0% 100.0%
Accrued Expenses $34.50M $29.18M $41.20M $50.20M $17.80M $10.10M $7.700M $6.300M $10.40M $6.200M $3.900M $4.400M $2.600M $2.500M $2.100M $1.500M $1.400M $1.200M
YoY Change 18.24% -29.18% -17.93% 182.02% 76.24% 31.17% 22.22% -39.42% 67.74% 58.97% -11.36% 69.23% 4.0% 19.05% 40.0% 7.14% 16.67%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $4.000M $1.400M $1.300M $1.300M $1.300M $1.300M $1.300M $1.300M $16.40M $16.80M $18.40M $0.00
YoY Change -100.0% 185.71% 7.69% 0.0% 0.0% 0.0% 0.0% 0.0% -92.07% -2.38% -8.7%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $43.43M $30.48M $41.50M $50.90M $18.70M $10.80M $8.000M $6.500M $10.60M $6.400M $4.100M $4.600M $3.000M $2.900M $2.600M $1.600M $1.600M $1.300M
YoY Change 42.48% -26.56% -18.47% 172.19% 73.15% 35.0% 23.08% -38.68% 65.63% 56.1% -10.87% 53.33% 3.45% 11.54% 62.5% 0.0% 23.08%
Long-Term Debt $48.44M $50.22M $19.90M $19.80M $19.70M $19.70M $0.00 $0.00 $4.600M $4.800M $5.000M $2.100M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -3.53% 152.35% 0.51% 0.51% 0.0% -100.0% -4.17% -4.0% 138.1%
Other Long-Term Liabilities $1.027M $1.207M $2.100M $177.4M $1.900M $1.200M $1.200M $1.000M $900.0K $700.0K $700.0K $600.0K $300.0K $300.0K $300.0K $400.0K $300.0K $300.0K
YoY Change -14.91% -42.52% -98.82% 9236.84% 58.33% 0.0% 20.0% 11.11% 28.57% 0.0% 16.67% 100.0% 0.0% 0.0% -25.0% 33.33% 0.0%
Total Long-Term Liabilities $49.47M $51.42M $22.00M $197.2M $21.60M $20.90M $1.200M $1.000M $5.500M $5.500M $5.700M $2.700M $300.0K $300.0K $300.0K $400.0K $300.0K $300.0K
YoY Change -3.8% 133.75% -88.84% 812.96% 3.35% 1641.67% 20.0% -81.82% 0.0% -3.51% 111.11% 800.0% 0.0% 0.0% -25.0% 33.33% 0.0%
Total Liabilities $2.138B $1.905B $1.541B $1.607B $1.102B $935.6M $798.0M $709.9M $655.6M $626.0M $578.2M $556.0M $460.5M $453.3M $427.9M $199.2M $173.7M $177.5M
YoY Change 12.22% 23.62% -4.13% 45.93% 17.73% 17.24% 12.41% 8.28% 4.73% 8.27% 3.99% 20.74% 1.59% 5.94% 114.81% 14.68% -2.14%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $209.68 Million

About First Savings Financial Group, Inc.

First Savings Financial Group, Inc. operates as a savings and loans holding company for First Savings Bank FSB, a federally chartered savings bank. The company is headquartered in Jeffersonville, Indiana. The company went IPO on 2008-10-07. The Company’s principal business activity is the ownership of the outstanding common stock of First Savings Bank. Its segments include core banking, Small Business Administration (SBA) lending, and mortgage banking. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. The SBA lending segment originates loans guaranteed by the SBA, subsequently selling the guaranteed portion to outside investors. The mortgage banking segment originates residential mortgage loans and sells them in the secondary market. The Bank operates as a community-oriented financial institution, which offers traditional financial services to consumers and businesses in its primary market area. The firm provides a variety of banking services to individual and business customers through approximately 16 locations in southern Indiana.

Industry: Savings Institution, Federally Chartered Peers: CHOICEONE FINANCIAL SERVICES INC PARTNERS BANCORP PENNS WOODS BANCORP INC Richmond Mutual Bancorporation, Inc. PNC FINANCIAL SERVICES GROUP, INC.